<SEC-DOCUMENT>0001437749-13-016001.txt : 20131213
<SEC-HEADER>0001437749-13-016001.hdr.sgml : 20131213
<ACCEPTANCE-DATETIME>20131213143702
ACCESSION NUMBER:		0001437749-13-016001
CONFORMED SUBMISSION TYPE:	10-Q/A
PUBLIC DOCUMENT COUNT:		5
CONFORMED PERIOD OF REPORT:	20130331
FILED AS OF DATE:		20131213
DATE AS OF CHANGE:		20131213

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MIDDLEFIELD BANC CORP
		CENTRAL INDEX KEY:			0000836147
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				341585111
		STATE OF INCORPORATION:			OH

	FILING VALUES:
		FORM TYPE:		10-Q/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-32561
		FILM NUMBER:		131275958

	BUSINESS ADDRESS:	
		STREET 1:		15985 E HIGH ST
		STREET 2:		P O BOX 35
		CITY:			MIDDLEFILED
		STATE:			OH
		ZIP:			44062-9263
		BUSINESS PHONE:		4406321666

	MAIL ADDRESS:	
		STREET 1:		15985 EAST HIGH STREET
		STREET 2:		P O BOX 35
		CITY:			MIDDLEFIELD
		STATE:			OH
		ZIP:			44062-9263
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-Q/A
<SEQUENCE>1
<FILENAME>mbcn20131125_10qa.htm
<DESCRIPTION>FORM 10-Q/A
<TEXT>
<HTML><HEAD><TITLE>mbc_10q-033113.htm</TITLE>
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<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA1><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>UNITED STATES SECURITIES AND EXCHANGE COMMISSION</B></FONT>&nbsp;</P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA3><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>Washington, D.C. 20552</B></FONT><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt" id=PARA6>&nbsp;</P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA7><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>FORM 10-Q/A</B></FONT><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt" id=PARA10>&nbsp;</P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA11><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT</B></FONT>&nbsp;</P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA13><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>&nbsp;&nbsp;&nbsp;OF 1934</B></FONT></P>
<P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt" id=PARA14>&nbsp;</P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA17><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>For the quarterly period ended March 31, 2013</B></FONT></P>
<P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt" id=PARA18>&nbsp;</P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA21><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B><U>Commission File Number 000-32561</U></B></FONT>&nbsp;</P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA23><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt" id=PARA24>&nbsp;<IMG src="img.jpg"><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT>&nbsp;</P>
<TABLE style="TEXT-INDENT: 0px; WIDTH: 100%; FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt" id=TBL29  border=0 cellSpacing=0 cellPadding=0>

<TR>
<TD style="BORDER-BOTTOM: #000000 1px solid; WIDTH: 100%; VERTICAL-ALIGN: middle">
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA27><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>Middlefield Banc Corp.</B></FONT></P></TD></TR>
<TR>
<TD style="WIDTH: 100%; VERTICAL-ALIGN: middle">
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA28><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>(Exact name of registrant as specified in its charter)</B></FONT></P></TD></TR></TABLE>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA30><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<TABLE style="TEXT-INDENT: 0px; WIDTH: 100%; FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt" id=TBL37  border=0 cellSpacing=0 cellPadding=0>

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<TD style="WIDTH: 50%; VERTICAL-ALIGN: middle">
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA31><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>Ohio</B></FONT></P></TD>
<TD style="WIDTH: 50%; VERTICAL-ALIGN: middle">
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA32><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>34 - 1585111&nbsp;</B></FONT></P></TD></TR>
<TR>
<TD style="WIDTH: 50%; VERTICAL-ALIGN: middle">
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA33><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>(State or other jurisdiction of incorporation&nbsp;</B></FONT></P></TD>
<TD style="WIDTH: 50%; VERTICAL-ALIGN: middle">
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA34><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>(IRS&nbsp;Employer Identification No.)</B></FONT></P></TD></TR>
<TR>
<TD style="WIDTH: 50%; VERTICAL-ALIGN: middle">
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA35><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>or organization)&nbsp;</B></FONT></P></TD>
<TD style="WIDTH: 50%; VERTICAL-ALIGN: middle">
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA36><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD></TR></TABLE>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA38><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA39><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>15985 East High Street, Middlefield, Ohio 44062-9263</B></FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA40><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>(Address of principal executive offices)</B></FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA41><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA42><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>(440) 632-1666</B></FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA43><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>(Registrant's telephone number, including area code)</B></FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA44><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA45><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.</B></FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA46><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA47><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>YES [&#8730;] NO [ ]</B></FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA48><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA49><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>Indicate by check mark whether the registrant has submitted electronically and posted on its corporate website, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (Section 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). YES [&#8730;] NO [ ]</B></FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA50><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA51><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA52><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer or a smaller reporting company. See the definition of &#8220;large accelerated filer&#8221;, &#8220;accelerated filer&#8221;, and &#8220;smaller reporting company&#8221; in Rule 12b-2 of the Exchange Act. (Check one):</B></FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA53><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt 0pt 0pt 36pt" id=PARA54><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>Large accelerated filer [ ] &nbsp;Accelerated filer [ ]&nbsp; Non-accelerated filer [ ]&nbsp; Small reporting company [&#8730;]</B></FONT></P>
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA55><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA56><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).</B></FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA57><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>YES [ ] &nbsp;&nbsp;NO [&#8730;]</B></FONT></P>
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA58><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA59><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>State the number of shares outstanding of each of the issuer's classes of common equity as of the latest practicable date:</B></FONT></P>
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA60><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA61><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>Class: Common Stock, without par value</B></FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA62><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Outstanding at May 9, 2013 : 2,016,496</B></FONT></P>
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA63><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<DIV style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBK78 >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" id=PGFTR78 >&nbsp;</DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%; FONT-SIZE: 10pt" id=PGNUM78 >&nbsp;</DIV>
<HR style="PAGE-BREAK-AFTER: always; WIDTH: 100%; HEIGHT: 2px; COLOR: #000000" noShade>

<DIV style="TEXT-ALIGN: left; WIDTH: 100%" id=PGHDR78 >&nbsp;</DIV></DIV>
<P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" id=PARA78.2>&nbsp;<FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA71><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>EXPLANATORY NOTE</B></FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA72><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA73><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">This Form 10-Q/A amendment to the Company's Quarterly Report on Form 10-Q for the period ended March 31, 2013 is being filed for the sole purpose of filing the corrected Exhibits 31.1, 31.2 and 32.</FONT></P>
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA74><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA75><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">This Amendment contains the complete text of the original report in addition to the corrected Exhibits listed above. This Amendment does not reflect any events occurring subsequent to the May 9, 2013 filing date of the original Form 10-Q for the quarter ended March 31, 2012 or in any way modify or update disclosures in the original Form 10-Q for the quarter ended March 31, 2013.</FONT></P></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">1</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&nbsp;</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">MIDDLEFIELD BANC CORP.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&nbsp;</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">INDEX</FONT></DIV><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>
<DIV >&nbsp;
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<TD vAlign=top width="22%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="10%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=top width="14%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Page</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Number</FONT></DIV></TD></TR>
<TR>
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<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">PART I - FINANCIAL INFORMATION</FONT></DIV></TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD></TR>
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<TD vAlign=top width="9%">&nbsp;</TD>
<TD vAlign=top width="22%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="10%">&nbsp;</TD>
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<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">&nbsp;&nbsp;&nbsp;&nbsp; Item 1. </FONT></FONT></TD>
<TD vAlign=top width="57%" colSpan=6 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Financial Statements (unaudited)</FONT></DIV></TD>
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<TD vAlign=top width="10%">&nbsp;</TD>
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<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Consolidated Balance Sheet as of M<FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">arch 31, 2013 and December 31, 2012</FONT></FONT></DIV></TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</FONT></DIV></TD></TR>
<TR bgColor=white>
<TD vAlign=top width="9%">&nbsp;</TD>
<TD vAlign=top width="22%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="10%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=top width="9%">&nbsp;</TD>
<TD vAlign=top width="69%" colSpan=7 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Consolidated Statement of Income <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">for the Three Months ended March 31, 2013 <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">and 2012</FONT></FONT></FONT></DIV></TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</FONT></DIV></TD></TR>
<TR bgColor=white>
<TD vAlign=top width="9%">&nbsp;</TD>
<TD vAlign=top width="22%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="10%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=top width="9%">&nbsp;</TD>
<TD vAlign=top width="69%" colSpan=7 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Consolidated Statement of Comprehensive Income f<FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">or the Three Months ended March 31, 2013 and 2012</FONT></FONT></DIV></TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</FONT></DIV></TD></TR>
<TR bgColor=white>
<TD vAlign=top width="9%">&nbsp;</TD>
<TD vAlign=top width="69%" colSpan=7 align=left>&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=top width="9%">&nbsp;</TD>
<TD vAlign=top width="69%" colSpan=7 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Consolidated Statement of Changes in Stockholders' Equity <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">for the Three Months ended March 31, 2013</FONT></FONT></DIV></TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6</FONT></DIV></TD></TR>
<TR bgColor=white>
<TD vAlign=top width="9%">&nbsp;</TD>
<TD vAlign=top width="22%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="10%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=top width="9%">&nbsp;</TD>
<TD vAlign=top width="54%" colSpan=7 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Consolidated Statement of Cash Flows f<FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">or the Three Months ended March 31, 2013 and 2012</FONT></FONT></DIV></TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7</FONT></DIV></TD></TR>
<TR bgColor=white>
<TD vAlign=top width="9%">&nbsp;</TD>
<TD vAlign=top width="22%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="10%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=top width="9%">&nbsp;</TD>
<TD vAlign=top width="54%" colSpan=5 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Notes to Consolidated Financial Statements</FONT></DIV></TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8</FONT></DIV></TD></TR>
<TR bgColor=white>
<TD vAlign=top width="9%">&nbsp;</TD>
<TD vAlign=top width="22%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="10%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">&nbsp;&nbsp;&nbsp;&nbsp; Item 2. </FONT></FONT></TD>
<TD vAlign=top width="54%" colSpan=7 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Management's Discussion and Analysis of <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Financial Condition and Results of Operations</FONT></FONT></DIV></TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">26</FONT></DIV></TD></TR>
<TR bgColor=white>
<TD vAlign=top width="9%">&nbsp;</TD>
<TD vAlign=top width="22%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="10%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">&nbsp;&nbsp;&nbsp;&nbsp; Item 3. </FONT></FONT></TD>
<TD vAlign=top width="69%" colSpan=7 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Quantitative and Qualitative Disclosures About Market Risk</FONT></DIV></TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">35</FONT></DIV></TD></TR>
<TR bgColor=white>
<TD vAlign=top width="9%">&nbsp;</TD>
<TD vAlign=top width="22%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="10%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">&nbsp;&nbsp;&nbsp;&nbsp; Item 4. </FONT></FONT></TD>
<TD vAlign=top width="36%" colSpan=3 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Controls and Procedures</FONT></DIV></TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">36</FONT></DIV></TD></TR>
<TR bgColor=white>
<TD vAlign=top width="9%">&nbsp;</TD>
<TD vAlign=top width="22%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="10%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=top width="35%" colSpan=3 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">PART II - OTHER INFORMATION</FONT></DIV></TD>
<TD vAlign=top width="10%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=top width="9%">&nbsp;</TD>
<TD vAlign=top width="22%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="10%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">&nbsp;&nbsp;&nbsp;&nbsp; Item 1. </FONT></FONT></TD>
<TD vAlign=top width="36%" colSpan=3 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Legal Proceedings</FONT></DIV></TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">37</FONT></DIV></TD></TR>
<TR bgColor=white>
<TD vAlign=top width="9%">&nbsp;</TD>
<TD vAlign=top width="22%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="10%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">&nbsp;&nbsp;&nbsp;&nbsp; Item 1A. </FONT></FONT></TD>
<TD vAlign=top width="22%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Risk Factors</FONT></DIV></TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="10%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">37</FONT></DIV></TD></TR>
<TR bgColor=white>
<TD vAlign=top width="9%">&nbsp;</TD>
<TD vAlign=top width="22%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="10%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">&nbsp;&nbsp;&nbsp;&nbsp; Item 2.</FONT></FONT></TD>
<TD vAlign=top width="69%" colSpan=7 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Unregistered sales of equity securities and use of proceeds</FONT></DIV></TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">37</FONT></DIV></TD></TR>
<TR bgColor=white>
<TD vAlign=top width="9%">&nbsp;</TD>
<TD vAlign=top width="22%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="10%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">&nbsp;&nbsp;&nbsp;&nbsp; Item 3. </FONT></FONT></TD>
<TD vAlign=top width="40%" colSpan=4 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Default Upon Senior Securities</FONT></DIV></TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">37</FONT></DIV></TD></TR>
<TR bgColor=white>
<TD vAlign=top width="9%">&nbsp;</TD>
<TD vAlign=top width="22%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="10%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">&nbsp;&nbsp;&nbsp;&nbsp; Item 4. </FONT></FONT></TD>
<TD vAlign=top width="36%" colSpan=3 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Mine Safety Disclosures</FONT></DIV></TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">37</FONT></DIV></TD></TR>
<TR bgColor=white>
<TD vAlign=top width="9%">&nbsp;</TD>
<TD vAlign=top width="22%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="10%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">&nbsp;&nbsp;&nbsp;&nbsp; Item 5. </FONT></FONT></TD>
<TD vAlign=top width="26%" colSpan=2 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other Information</FONT></DIV></TD>
<TD vAlign=top width="10%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">37</FONT></DIV></TD></TR>
<TR bgColor=white>
<TD vAlign=top width="9%">&nbsp;</TD>
<TD vAlign=top width="22%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="10%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">&nbsp;&nbsp;&nbsp;&nbsp; Item 6. </FONT></FONT></TD>
<TD vAlign=top width="54%" colSpan=5 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Exhibits and Reports on Form 8 - K</FONT></DIV></TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">37</FONT></DIV></TD></TR>
<TR bgColor=white>
<TD vAlign=top width="9%">&nbsp;</TD>
<TD vAlign=top width="22%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="10%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=top width="31%" colSpan=2 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">SIGNATURES</FONT></DIV></TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="10%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">44</FONT></DIV></TD></TR>
<TR bgColor=white>
<TD vAlign=top width="9%">&nbsp;</TD>
<TD vAlign=top width="22%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="10%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=top width="31%" colSpan=2 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Exhibit 31.1</FONT></DIV></TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="10%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">45</FONT></DIV></TD></TR>
<TR bgColor=white>
<TD vAlign=top width="31%" colSpan=2 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Exhibit 31.2</FONT></DIV></TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="10%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">46</FONT></DIV></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=top width="31%" colSpan=2 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Exhibit 32</FONT></DIV></TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="10%">&nbsp;</TD>
<TD vAlign=top width="4%">&nbsp;</TD>
<TD vAlign=top width="14%">&nbsp;</TD>
<TD vAlign=top width="3%">&nbsp;</TD>
<TD vAlign=top width="12%">&nbsp;</TD>
<TD vAlign=top width="8%">&nbsp;</TD>
<TD vAlign=top width="14%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">47</FONT></DIV></TD></TR></TABLE></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">2</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&nbsp;</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">MIDDLEFIELD BANC CORP. </FONT>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">CONSOLIDATED BALANCE SHEET </FONT></FONT>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(Dollar amounts in thousands, except share data) </FONT></FONT></FONT>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(Unaudited)</FONT></FONT></FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&nbsp;</FONT></DIV></DIV></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV  align=left>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="100%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">March 31,</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2013</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">December 31,</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2012</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom noWrap>&nbsp;</TD></TR>
<TR>
<TD vAlign=bottom>&nbsp;</TD>
<TD vAlign=bottom>&nbsp;</TD>
<TD vAlign=bottom colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom noWrap>&nbsp;</TD>
<TD vAlign=bottom>&nbsp;</TD>
<TD vAlign=bottom colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">ASSETS</FONT></DIV></TD>
<TD vAlign=bottom>&nbsp;</TD>
<TD vAlign=bottom colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom noWrap>&nbsp;</TD>
<TD vAlign=bottom>&nbsp;</TD>
<TD vAlign=bottom colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Cash and due from banks</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">32,426</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">33,568</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Federal funds sold</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13,204</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11,778</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Cash and cash equivalents</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45,630</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45,346</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investment securities available for sale</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">190,687</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">194,472</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Loans</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">407,054</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">408,433</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Less allowance for loan losses</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,732</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,779</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net loans</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">399,322</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">400,654</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Premises and equipment</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,694</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,670</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Goodwill</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,559</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,559</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Core deposit intangible</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">184</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">195</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Bank-owned life insurance</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,604</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,536</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Accrued interest and other assets</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,294</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,856</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="70%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">TOTAL ASSETS</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">666,974</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">670,288</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="70%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">LIABILITIES</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Deposits:</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Noninterest-bearing demand</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">73,354</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">75,912</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest-bearing demand</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">68,060</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">63,915</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Money market</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">80,051</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">81,349</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Savings</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">181,872</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">175,406</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Time</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">188,160</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">196,753</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total deposits</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">591,497</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">593,335</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 446pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Short-term borrowings</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,240</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,538</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other borrowings</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,779</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,970</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Accrued interest and other liabilities</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,608</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,008</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">TOTAL LIABILITIES</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">611,124</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">614,851</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">STOCKHOLDERS' EQUITY</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Common stock, no par value; 10,000,000 shares authorized, <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,205,814 and 2,181,763 shares issued</FONT></FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">34,697</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">34,295</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Retained earnings</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">23,622</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,485</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Accumulated other comprehensive income</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,265</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,391</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Treasury stock, at cost; 189,530 shares</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(6,734</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(6,734</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">TOTAL STOCKHOLDERS' EQUITY</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">55,850</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">55,437</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">666,974</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">670,288</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR></TABLE></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">See accompanying notes to the unaudited consolidated financial statements.</FONT></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">3</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">MIDDLEFIELD BANC CORP.</FONT></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">CONSOLIDATED STATEMENT OF INCOME </FONT>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(Dollar amounts in thousands, except per share data) </FONT></FONT>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(Unaudited)</FONT></FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&nbsp;</FONT></DIV></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV  align=left>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="100%">

<TR>
<TD vAlign=bottom>&nbsp;</TD>
<TD vAlign=bottom>&nbsp;</TD>
<TD vAlign=bottom colSpan=6>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Three Months Ended</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">March 31,</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom noWrap>&nbsp;</TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2013</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2012</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">INTEREST INCOME</FONT></DIV></TD>
<TD vAlign=bottom>&nbsp;</TD>
<TD vAlign=bottom colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom noWrap>&nbsp;</TD>
<TD vAlign=bottom>&nbsp;</TD>
<TD vAlign=bottom colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest and fees on loans</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,572</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,537</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest-bearing deposits in <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">other institutions</FONT></FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Federal funds sold</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investment securities:</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Taxable interest</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">674</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">915</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Tax-exempt interest</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">733</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">747</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Dividends on stock</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">23</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">26</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 45pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total interest income</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,014</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,232</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="70%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">INTEREST EXPENSE</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Deposits</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,297</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,497</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Short term borrowings</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">52</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">59</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other borrowings</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">46</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">84</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Trust preferred debt</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">34</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">46</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 45pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total interest expense</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,429</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,686</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">NET INTEREST INCOME</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,585</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,546</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Provision for loan losses</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">313</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">600</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">NET INTEREST INCOME AFTER <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">PROVISION FOR LOAN LOSSES</FONT></FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,272</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,946</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">NONINTEREST INCOME</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Service charges on deposit accounts</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">447</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">431</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investment securities gains, net</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">185</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Earnings on bank-owned life insurance</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">68</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">68</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Gain on sale of loans</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">85</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other income</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">168</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">210</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 45pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total noninterest income</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">868</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">794</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">NONINTEREST EXPENSE</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Salaries and employee benefits</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,871</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,750</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Occupancy expense</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">274</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">248</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Equipment expense</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">189</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">170</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Data processing costs</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">213</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">199</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Ohio state franchise tax</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">154</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">129</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Federal deposit insurance expense</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">154</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">243</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Professional fees</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">276</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">214</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Loss on sale of other real estate owned</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Advertising expense</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">112</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">20</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other real estate expense</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">106</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other expense</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">644</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">781</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 446pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 45pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total noninterest expense</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,001</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,782</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Income before income taxes</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,139</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,958</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Income taxes</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">482</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">435</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">NET INCOME</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,657</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,523</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">EARNINGS PER SHARE</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Basic</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.83</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.86</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Diluted</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.82</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.86</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">DIVIDENDS DECLARED PER SHARE</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.26</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.26</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR></TABLE></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">See accompanying notes to the unaudited consolidated financial statements.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">4</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">MIDDLEFIELD BANC CORP. </FONT>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME </FONT></FONT>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(Dollar amounts in thousands) </FONT></FONT></FONT>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(Unaudited)</FONT></FONT></FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&nbsp;</FONT></DIV></DIV></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left>
<DIV  align=left>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="100%">

<TR>
<TD vAlign=bottom><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom colSpan=6>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Three Months Ended</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">March 31,</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2013</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2012</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=bottom><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net income</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,657</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,523</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="70%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other comprehensive loss:</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 2%" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net unrealized holding loss on available for sale securities</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,521</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(60</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 24pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 24pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Tax effect</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">517</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">20</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="70%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 2%" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Reclassification adjustment for gains included in net income</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(185</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 24pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 24pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Tax effect</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">63</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total other comprehensive loss</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,126</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(40</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Comprehensive income</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">531</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,483</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
<DIV  align=left>&nbsp;</DIV>
<DIV  align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">See accompanying notes to the unaudited consolidated financial statements.</FONT></DIV></DIV>
<DIV  align=left>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">5</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV  align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&nbsp;</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">MIDDLEFIELD BANC CORP.</FONT></DIV></DIV>
<DIV  align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY </FONT>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(Dollar amounts in thousands, except shares and dividend per share amount) </FONT></FONT>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(Unaudited)</FONT></FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&nbsp;</FONT></DIV></DIV></DIV></DIV>
<DIV  align=left>
<DIV  align=left>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="100%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Common</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Stock</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Retained</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Earnings</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Accumulated</FONT></FONT></FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other</FONT></FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Comprehensive</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Income</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Treasury</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Stock</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Stockholders'</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Equity</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=bottom width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Balance, December 31, 2012</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">34,295</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,485</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,391</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(6,734</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">55,437</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net income</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,657</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,657</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Comprehensive loss</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,126</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,126</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Common stock issuance (13,320 shares)</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">213</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">213</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Dividend reinvestment and purchase plan (10,731 shares)</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">300</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">300</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Stock options exercised</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(111</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(111</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Cash dividends ($0.26 per share)</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(520</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(520</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Balance, March 31, 2013</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">34,697</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">23,622</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,265</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(6,734</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">55,850</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV></DIV>
<DIV  align=left>&nbsp;</DIV>
<DIV  align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">See accompanying notes to the unaudited consolidated financial statements.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">6</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV></DIV>
<DIV  align=left>&nbsp;</DIV>
<DIV  align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">MIDDLEFIELD BANC CORP.</FONT></DIV></DIV>
<DIV  align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">CONSOLIDATED STATEMENT OF CASH FLOWS </FONT>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(Dollar amounts in thousands) </FONT></FONT>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(Unaudited)</FONT></FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&nbsp;</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&nbsp;</FONT></DIV></DIV></DIV></DIV>
<DIV  align=left>
<DIV  align=left>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="100%">

<TR>
<TD vAlign=bottom>&nbsp;</TD>
<TD vAlign=bottom>&nbsp;</TD>
<TD vAlign=bottom colSpan=6>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Three Months Ended</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">March 31,</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom noWrap>&nbsp;</TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2013</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2012</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">OPERATING ACTIVITIES</FONT></DIV></TD>
<TD vAlign=bottom>&nbsp;</TD>
<TD vAlign=bottom colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom noWrap>&nbsp;</TD>
<TD vAlign=bottom>&nbsp;</TD>
<TD vAlign=bottom colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net income</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,657</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,523</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Adjustments to reconcile net income to <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">net cash provided by operating activities:</FONT></FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Provision for loan losses</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">313</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">600</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investment securities gains, net</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">185</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Depreciation and amortization</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">222</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">221</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amortization of premium and <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">discount on investment securities</FONT></FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">183</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">224</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Accretion of deferred loan fees, net</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(33</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(55</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Origination of loans held for sale</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,084</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Proceeds from sale of loans held for sale</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,169</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Gain on sale of loans</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(85</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Earnings on bank-owned life insurance</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(68</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(68</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Deferred income taxes</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">58</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(28</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Loss on sale of other real estate owned</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Increase in accrued interest receivable</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(529</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(442</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Decrease in accrued interest payable</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(24</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(104</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Decrease in prepaid federal deposit insurance</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">211</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other, net</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(507</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(523</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net cash provided by operating activities</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,474</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,577</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="70%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">INVESTING ACTIVITIES</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investment securities available for sale:</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Proceeds from repayments and maturities</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,773</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,533</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Proceeds from sale of securities</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,438</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Purchases</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(12,500</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(8,611</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Increase (decrease) in loans, net</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">598</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(2,643</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Proceeds from the sale of other real estate owned</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">137</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">210</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Purchase of premises and equipment</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(191</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(253</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 446pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net cash provided by investing activities</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,255</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,236</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="70%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">FINANCING ACTIVITIES</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net (decrease) increase in deposits</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,838</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,980</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Decrease in short-term borrowings, net</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,298</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(27</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Repayment of other borrowings</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(191</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(270</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Common stock issuance</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">213</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Stock options exercised</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(111</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Proceeds from dividend reinvestment &amp; purchase plan</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">300</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">180</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Cash dividends</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(520</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(457</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 446pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net cash (used for) provided by financing activities</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(3,445</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,406</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="70%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Increase in cash and cash equivalents</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">284</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11,219</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="70%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">CASH AND CASH EQUIVALENTS <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">AT BEGINNING OF PERIOD</FONT></FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45,346</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">34,390</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="70%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">CASH AND CASH EQUIVALENTS <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">AT END OF PERIOD</FONT></FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45,630</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45,609</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="70%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">SUPPLEMENTAL INFORMATION</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Cash paid during the year for:</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest on deposits and borrowings</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,453</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,790</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Income taxes</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">555</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">200</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Non-cash investing transactions:</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Transfers from loans to other real estate owned</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">454</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">157</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR></TABLE></DIV></DIV>
<DIV  align=left>&nbsp;</DIV>
<DIV  align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">See accompanying notes to the unaudited consolidated financial statements.</FONT></DIV></DIV>
<DIV  align=left>&nbsp;</DIV></DIV></DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">7</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">MIDDLEFIELD BANC CORP.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">NOTES TO UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTE 1 - BASIS OF PRESENTATION</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The consolidated financial statements of Middlefield Banc Corp. ("Company") include its two bank subsidiaries The Middlefield Banking Company (&#8220;MB&#8221;) and Emerald Bank (&#8220;EB&#8221;) and a non-bank asset resolution subsidiary EMORECO, Inc. All significant inter-company items have been eliminated.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The accompanying financial statements have been prepared in accordance with U.S. generally accepted accounting principles and the instructions for Form 10-Q and Article 10 of Regulation S-X.&nbsp;&nbsp;In management&#8217;s opinion, the financial statements include all adjustments, consisting of normal recurring adjustments, that the Company considers necessary to fairly state the Company&#8217;s financial position and the results of operations and cash flows.&nbsp;&nbsp;The consolidated balance sheet at December 31, 2012, has been derived from the audited financial statements at that date but does not include all of the necessary informational disclosures and footnotes as required by U. S. generally accepted accounting principles.&nbsp;&nbsp;The accompanying financial statements should be read in conjunction with the financial statements and notes thereto included with the Company&#8217;s Form 10-K for the year ended December 31, 2012 (File No. 000-32561). The results of the Company&#8217;s operations for any interim period are not necessarily indicative of the results of the Company&#8217;s operations for any other interim period or for a full fiscal year.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Recent Accounting Pronouncements</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In December 2011, the FASB issued ASU 2011-11, <FONT style="FONT-STYLE: italic">Balance Sheet (Topic 210):&nbsp;&nbsp;Disclosures about Offsetting Assets and Liabilities</FONT>.&nbsp;&nbsp;The amendments in this Update affect all entities that have financial instruments and derivative instruments that are either (1) offset in accordance with either&nbsp;&nbsp;Section 210-20-45 or&nbsp;&nbsp;Section 815-10-45 or (2) subject to an enforceable master netting arrangement or similar agreement.&nbsp;&nbsp;The requirements amend the disclosure requirements on offsetting in <A  class=" FCK__AnchorC" name="EX13_HTM_MBC_10Q_093012_HTM_GAAPUPD_203_"></A>Section 210-20-50.&nbsp;&nbsp;This information will enable users of an entity's financial statements to evaluate the effect or potential effect of netting arrangements on an entity's financial position, including the effect or potential effect of rights of setoff associated with certain financial instruments and derivative instruments in the scope of this Update.&nbsp;&nbsp;An entity is required to apply the amendments for annual reporting periods beginning on or after January 1, 2013, and interim periods within those annual periods.&nbsp;&nbsp;An entity should provide the disclosures required by those amendments retrospectively for all comparative periods presented.&nbsp;&nbsp;This ASU did not have a significant impact on the Company&#8217;s financial statements.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In January 2013, the FASB issued ASU 2013-01, <FONT style="FONT-STYLE: italic">Balance Sheet (Topic 210): Clarifying the Scope of Disclosures about Offsetting Assets and Liabilities.</FONT>&nbsp;&nbsp;&nbsp;The amendments clarify that the scope of Update 2011-11 applies to derivatives accounted for in accordance with Topic 815, Derivatives and Hedging, including bifurcated embedded derivatives, repurchase agreements and reverse repurchase agreements, and securities borrowing and securities lending transactions that are either offset in accordance with Section 210-20-45 or Section 815-10-45 or subject to an enforceable master netting arrangement or similar agreement.&nbsp;&nbsp;An entity is required to apply the amendments for fiscal years beginning on or after January 1, 2013, and interim periods within those annual periods. An entity should provide the required disclosures retrospectively for all comparative periods presented.&nbsp;&nbsp;The effective date is the same as the effective date of Update 2011-11.&nbsp;&nbsp;This ASU did not have a significant impact on the Company&#8217;s financial statements.</FONT><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">8</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&nbsp;</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In February 2013, the FASB issued ASU 2013-02, <FONT style="FONT-STYLE: italic">Comprehensive Income (Topic 220):&nbsp;&nbsp;Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income</FONT>.&nbsp;&nbsp;&nbsp;The amendments in this Update require an entity to report the effect of significant reclassifications out of accumulated other comprehensive income on the respective line items in net income if the amount being reclassified is required under U.S. generally accepted accounting principles (GAAP) to be reclassified in its entirety to net income.&nbsp;&nbsp;For other amounts that are not required under U.S. GAAP to be reclassified in their entirety to net income in the same reporting period, an entity is required to cross-reference other disclosures required under U.S. GAAP that provide additional detail about those amounts.&nbsp;&nbsp;For public entities, the amendments are effective prospectively for reporting periods beginning after December 15, 2012. For nonpublic entities, the amendments are effective prospectively for reporting periods beginning after December 15, 2013. Early adoption is permitted.&nbsp;&nbsp;The Company has provided the necessary disclosures in Note 5.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In February 2013, the FASB issued ASU 2013-04, <FONT style="FONT-STYLE: italic">Liabilities (Topic 405): Obligations Resulting from Joint and Several Liability Arrangements for Which the Total Amount of the Obligation Is Fixed at the Reporting Date</FONT>.&nbsp;&nbsp;The objective of the amendments in this Update is to provide guidance for the recognition, measurement, and disclosure of obligations resulting from joint and several liability arrangements for which the total amount of the obligation within the scope of this guidance is fixed at the reporting date, except for obligations addressed within existing guidance in U.S. generally accepted accounting principles (GAAP). Examples of obligations within the scope of this Update include debt arrangements, other contractual obligations, and settled litigation and judicial rulings. U.S. GAAP does not include specific guidance on accounting for such obligations with joint and several liability, which has resulted in diversity in practice. Some entities record the entire amount under the joint and several liability arrangement on the basis of the concept of a liability and the guidance that must be met to extinguish a liability. Other entities record less than the total amount of the obligation, such as an amount allocated, an amount corresponding to the proceeds received, or the portion of the amount the entity agreed to pay among its co-obligors, on the basis of the guidance for contingent liabilities. The amendments in this Update are effective for fiscal years, and interim periods within those years, beginning after December 15, 2013. For nonpublic entities, the amendments are effective for fiscal years ending after December 15, 2014, and interim periods and annual periods thereafter.&nbsp;&nbsp;This ASU is not expected to have a significant impact on the Company&#8217;s financial statements.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTE 2 - STOCK-BASED COMPENSATION</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company has no unvested stock options outstanding or unrecognized stock-based compensation costs outstanding as of March 31, 2013.&nbsp;&nbsp;The company had 9,000 unvested stock options outstanding but no unrecognized stock-based compensation costs outstanding as of March 31, 2012.&nbsp;&nbsp;Those options vested on May 9, 2012.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Stock option activity during the three months ended March 31 as follows:</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="85%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2013</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Weighted-</FONT></FONT></FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">average</FONT></FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Exercise</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Price</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2012</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Weighted-</FONT></FONT></FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">average</FONT></FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Exercise</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Price</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=bottom width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Outstanding, January 1</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">79,693</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">27.25</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">88,774</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">26.81</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Exercised</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,561</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">24.08</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Outstanding, March 31</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">61,132</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">28.21</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">88,774</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">26.81</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Exercisable, March 31</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">61,132</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">28.21</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">88,774</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">26.81</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">9</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTE 3 - EARNINGS PER SHARE</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company provides dual presentation of basic and diluted earnings per share.&nbsp;&nbsp;Basic earnings per share is calculated by dividing net income by the average shares outstanding.&nbsp;&nbsp;Diluted earnings per share adds the dilutive effects of options, warrants, and convertible securities to average shares outstanding.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table sets forth the composition of the weighted-average common shares (denominator) used in the basic and diluted earnings per share computation.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="85%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="70%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="28%" colSpan=6>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">For the Three</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Months Ended </FONT>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">March 31,</FONT></FONT></DIV></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=bottom width="70%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="70%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2013</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2012</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Weighted average common shares <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">outstanding</FONT></FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,189,175</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,953,512</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="70%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Average treasury stock shares</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(189,530</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(189,530</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="70%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Weighted average common shares and <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">common stock equivalents used to <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">calculate basic earnings per share</FONT></FONT></FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,999,645</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,763,982</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="70%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Additional common stock equivalents <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(stock options) used to calculate <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">diluted earnings per share</FONT></FONT></FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,647</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">603</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="70%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Weighted average common shares and <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">common stock equivalents used <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">to calculate diluted earnings per share</FONT></FONT></FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,010,292</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,764,585</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Options to purchase 61,132 shares of common stock, at prices ranging from $17.55 to $40.24, were outstanding during the three months ended March 31, 2013.&nbsp;&nbsp;Of those options, 59,617 were considered dilutive based on the market price exceeding the strike price.&nbsp;&nbsp;The remaining 1,515 options had no dilutive effect on earnings per share.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Options to purchase 88,774 shares of common stock, at prices ranging from $17.55 to $40.24, were outstanding during the three months ended March 31, 2012.&nbsp;&nbsp;Of those options, 9,000 were considered dilutive based on the market price exceeding the strike price.&nbsp;&nbsp;The remaining 79,774 options had no dilutive effect on earnings per share.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">10</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTE 4 - FAIR VALUE MEASUREMENTS</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in the principal or most advantageous market for an asset or liability in an orderly transaction between market participants at the measurement date. GAAP established a fair value hierarchy that prioritizes the use of inputs used in valuation methodologies into the following three levels:</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV >
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt" id=hangingindent  border=0 cellSpacing=0 cellPadding=0 width="100%" align=center>

<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 63pt">
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Level I:</FONT></DIV></TD>
<TD>
<DIV  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Quoted prices are available in active markets for identical assets or liabilities as of the reported date.</FONT></DIV></TD></TR></TABLE></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV >
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt" id=hangingindent  border=0 cellSpacing=0 cellPadding=0 width="100%" align=center>

<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 63pt">
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Level II:</FONT></DIV></TD>
<TD>
<DIV  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Pricing inputs are other than the quoted prices in active markets, which are either directly or indirectly observable as of the reported date.&nbsp;&nbsp;The nature of these assets and liabilities includes items for which quoted prices are available but traded less frequently and items that are fair-valued using other financial instruments, the parameters of which can be directly observed.</FONT></DIV></TD></TR></TABLE></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV >
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt" id=hangingindent  border=0 cellSpacing=0 cellPadding=0 width="100%" align=center>

<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 63pt">
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Level III:</FONT></DIV></TD>
<TD>
<DIV  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Assets and liabilities that have little to no pricing observability as of the reported date.&nbsp;&nbsp;These items do not have two-way markets and are measured using management&#8217;s best estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation.</FONT></DIV></TD></TR></TABLE></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following tables present the assets measured on a recurring basis on the Consolidated Balance Sheet at their fair value by level within the fair value hierarchy. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="90%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="40%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" vAlign=bottom width="13%" colSpan=6>&nbsp;March 31, 2013</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR>
<TD vAlign=bottom width="40%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(Dollar amounts in thousands)</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Level I</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Level II</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Level III</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR>
<TD vAlign=bottom width="40%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Assets measured on a recurring basis:</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">U.S. government agency securities</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">25,752</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">25,752</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Obligations of states and political subdivisions</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">94,462</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">94,462</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Mortgage-backed securities in government-<FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">sponsored entities</FONT></FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">65,026</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">65,026</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Private-label mortgage-backed securities</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,697</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,697</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total debt securities</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">189,937</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">189,937</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Equity securities in financial institutions</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">745</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">750</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">190,682</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">190,687</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR></TABLE></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">11</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="90%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="40%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" vAlign=bottom width="13%" colSpan=6>&nbsp;December 31, 2012</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR>
<TD vAlign=bottom width="40%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="40%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Level I</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Level II</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Level III</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR>
<TD vAlign=bottom width="40%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Assets measured on a recurring basis:</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">U.S. government agency securities</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">24,960</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">24,960</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Obligations of states and political subdivisions</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">92,596</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">92,596</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Mortgage-backed securities in government-<FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">sponsored entities</FONT></FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">71,102</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">71,102</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Private-label mortgage-backed securities</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,064</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,064</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total debt securities</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">193,722</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">193,722</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Equity securities in financial institutions</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">745</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">750</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">194,467</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">194,472</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR></TABLE></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >&nbsp;</DIV>
<DIV >
<DIV style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company obtains fair values from an independent pricing service which represent either quoted market prices for the identical securities (Level 1 inputs) or fair values determined by pricing models using a market approach that considers observable market data, such as interest rate volatilities, LIBOR yield curve, credit spreads and prices from market makers and live trading systems (Level 2).</FONT></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Financial instruments are considered Level III when their values are determined using pricing models, discounted cash flow methodologies or similar techniques and at least one significant model assumption or input is unobservable.&nbsp;&nbsp;In addition to these unobservable inputs, the valuation models for Level III financial instruments typically also rely on a number of inputs that are readily observable either directly or indirectly.&nbsp;&nbsp;Level III financial instruments also include those for which the determination of fair value requires significant management judgment or estimation.&nbsp;&nbsp;The Company has no securities considered to be Level III as of March 31, 2013.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company uses prices compiled by third party vendors due to the recent stabilization in the markets along with improvements in third party pricing methodology that have narrowed the variances between third party vendor prices and actual market prices.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following tables present the assets measured on a nonrecurring basis on the Consolidated Balance Sheet at their fair value by level within the fair value hierarchy. Impaired loans that are collateral dependent are written down to fair value through the establishment of specific reserves. Techniques used to value the collateral that secure the impaired loan include: quoted market prices for identical assets classified as Level I inputs; observable inputs, employed by certified appraisers, for similar assets classified as Level II inputs. In cases where valuation techniques included inputs that are unobservable and are based on estimates and assumptions developed by management based on the best information available under each circumstance, the asset valuation is classified as Level III inputs.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company values other real estate owned at the estimated fair value of the underlying collateral less expected selling costs. Such values are estimated primarily using appraisals and reflect a market value approach. Due to the significance of the Level 3 inputs, other real estate owned has been classified as Level III.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">12</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>
<DIV  align=left>
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="90%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: center; PADDING-BOTTOM: 2px" vAlign=bottom width="58%" colSpan=14>&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" vAlign=bottom width="13%" colSpan=6><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;&nbsp; <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">March 31, 2013</FONT></FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=bottom width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(Dollar amounts in thousands)</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Level I</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Level II</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Level III</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=bottom width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Assets measured on a non-recurring basis:</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Impaired loans</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">16,363</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">16,363</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other real estate owned</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,155</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,155</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
<DIV >&nbsp;</DIV>
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="90%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="40%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" vAlign=bottom width="12%" colSpan=5>December 31, 2012&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR>
<TD vAlign=bottom width="40%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="40%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Level I</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Level II</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Level III</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR>
<TD vAlign=bottom width="40%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Assets measured on a non-recurring basis:</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Impaired loans</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">17,600</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">17,600</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other real estate owned</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,846</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,846</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR></TABLE></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table presents additional quantitative information about assets measured at fair value on a non-recurring basis and for which the Company uses Level III inputs to determine fair value:</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>
<DIV  align=left>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="100%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="12%" colSpan=2 align=left><FONT style="FONT-STYLE: italic; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="28%" colSpan=10><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Quantitative Information about Level III Fair Value Measurements</FONT></FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%">&nbsp;</TD></TR>
<TR>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="12%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-STYLE: italic; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(unaudited, in thousands)</FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="28%" colSpan=6>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Estimate</FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Valuation </FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Techniquest</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Unobservable Input</FONT></FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%">&nbsp;</TD></TR>
<TR>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2 align=right>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">March 31, 2013</FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2 align=right>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">December 31, 2012</FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="12%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Impaired loans</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">16,363</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">17,600</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="12%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Appraisal of collateral (1)</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="12%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Appraisal adjustments (2)</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD></TR>
<TR bgColor=white>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%" align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="12%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Liquidation expenses (2)</FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="12%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other real estate owned</FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,155</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,846</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="25%" colSpan=3 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Appraisal of collateral (1), (3)</FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD></TR></TABLE></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(2) Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.</FONT></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: normal">(3) Includes qualitative adjustments by management and estimated liquidation expenses.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">13</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The estimated fair value of the Company&#8217;s financial instruments is as follows:</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >
<DIV  align=left>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="100%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom colSpan=18>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">March 31, 2013</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom noWrap>&nbsp;</TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Carrying</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Value</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Level I</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Level II</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Level III</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Fair Value</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom noWrap>&nbsp;</TD></TR>
<TR>
<TD vAlign=bottom>&nbsp;</TD>
<TD vAlign=bottom>&nbsp;</TD>
<TD vAlign=bottom colSpan=18>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(in thousands)</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Financial assets:</FONT></DIV></TD>
<TD vAlign=bottom>&nbsp;</TD>
<TD vAlign=bottom colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom noWrap>&nbsp;</TD>
<TD vAlign=bottom>&nbsp;</TD>
<TD vAlign=bottom colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom noWrap>&nbsp;</TD>
<TD vAlign=bottom>&nbsp;</TD>
<TD vAlign=bottom colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom noWrap>&nbsp;</TD>
<TD vAlign=bottom>&nbsp;</TD>
<TD vAlign=bottom colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom noWrap>&nbsp;</TD>
<TD vAlign=bottom>&nbsp;</TD>
<TD vAlign=bottom colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 3%" vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Cash and cash equivalents</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45,630</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45,630</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45,630</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 3%" vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investment securities <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">available for sale</FONT></FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">190,687</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">190,682</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">190,687</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 3%" vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net loans</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">399,322</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">402,219</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">402,219</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 3%" vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Bank-owned life insurance</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,604</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,604</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,604</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 3%" vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Federal Home Loan Bank stock</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,627</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,627</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,627</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 3%" vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Accrued interest receivable</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,692</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,692</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,692</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="25%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Financial liabilities:</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 3%" vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Deposits</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">591,497</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">403,337</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">190,881</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">594,218</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 3%" vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Short-term borrowings</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,240</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,240</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,240</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 3%" vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other borrowings</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,779</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13,092</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13,092</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 3%" vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Accrued interest payable</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">468</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">468</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">468</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR></TABLE></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >
<DIV  align=left>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="100%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom colSpan=18>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">December 31, 2012</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom noWrap>&nbsp;</TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Carrying</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Value</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Level I</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Level II</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Level III</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Fair Value</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom noWrap>&nbsp;</TD></TR>
<TR>
<TD vAlign=bottom>&nbsp;</TD>
<TD vAlign=bottom>&nbsp;</TD>
<TD vAlign=bottom colSpan=18>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(in thousands)</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Financial assets:</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 3%" vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Cash and cash equivalents</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45,346</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45,346</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45,346</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 3%" vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investment securities <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">available for sale</FONT></FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">194,472</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">194,467</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">194,472</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 3%" vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net loans</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">400,654</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">390,206</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">390,206</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 3%" vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Bank-owned life insurance</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,536</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,536</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,536</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 3%" vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Federal Home Loan Bank stock</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,887</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,887</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,887</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 3%" vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Accrued interest receivable</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,163</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,163</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,163</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="25%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Financial liabilities:</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 3%" vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Deposits</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">593,335</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">396,582</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">196,122</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">592,704</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 3%" vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Short-term borrowings</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,538</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,538</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,538</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 3%" vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other borrowings</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,970</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13,337</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13,337</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 3%" vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Accrued interest payable</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">492</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">492</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">492</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR></TABLE></DIV><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Financial instruments are defined as cash, evidence of ownership interest in an entity, or a contract which creates an obligation or right to receive or deliver cash or another financial instrument from/to a second entity on potentially favorable or unfavorable terms.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Fair value is defined as the amount at which a financial instrument could be exchanged in a current transaction between willing parties other than in a forced liquidation sale.&nbsp;&nbsp;If a quoted market price is available for a financial instrument, the estimated fair value would be calculated based upon the market price per trading unit of the instrument.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">If no readily available market exists, the fair value estimates for financial instruments should be based upon management&#8217;s judgment regarding current economic conditions, interest rate risk, expected cash flows, future estimated losses, and other factors as determined through various option pricing formulas or simulation modeling.&nbsp;&nbsp;Since many of these assumptions result from judgments made by management based upon estimates which are inherently uncertain, the resulting estimated fair values may not be indicative of the amount realizable in the sale of a particular financial instrument.&nbsp;&nbsp;In addition, changes in assumptions on which the estimated fair values are based may have a significant impact on the resulting estimated fair values.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">14</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&nbsp;</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">As certain assets such as deferred tax assets and premises and equipment are not considered financial instruments, the estimated fair value of financial instruments would not represent the full value of the Company.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company employed simulation modeling in determining the estimated fair value of financial instruments for which quoted market prices were not available based upon the following assumptions:</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><FONT style="TEXT-DECORATION: underline">Cash and Cash Equivalents, Federal Home Loan Bank Stock, Accrued Interest Receivable, Accrued Interest Payable, and Short-Term Borrowings</FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The fair value is equal to the current carrying value.</FONT><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><FONT style="TEXT-DECORATION: underline">Bank-Owned Life Insurance</FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The fair value is equal to the cash surrender value of the life insurance policies.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><FONT style="TEXT-DECORATION: underline">Investment Securities Available for Sale</FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The fair value of investment securities is equal to the available quoted market price.&nbsp; If no quoted market price is available, fair value is estimated using the quoted market price for similar securities.&nbsp;</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><FONT style="TEXT-DECORATION: underline">Loans</FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The fair value is estimated by discounting future cash flows using current market inputs at which loans with similar terms and qualities would be made to borrowers of similar credit quality.&nbsp;&nbsp;Where quoted market prices were available, primarily for certain residential mortgage loans, such market rates were used as estimates for fair value.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><FONT style="TEXT-DECORATION: underline">Deposits and Other Borrowed Funds</FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The fair values of certificates of deposit and other borrowed funds are based on the discounted value of contractual cash flows.&nbsp;&nbsp;The discount rates are estimated using rates currently offered for similar instruments with similar remaining maturities.&nbsp;&nbsp;Demand, savings, and money market deposits are valued at the amount payable on demand as of year-end.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><FONT style="TEXT-DECORATION: underline">Commitments to Extend Credit</FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">These financial instruments are generally not subject to sale, and estimated fair values are not readily available. The carrying value, represented by the net deferred fee arising from the unrecognized commitment or letter of credit, and the fair value, determined by discounting the remaining contractual fee over the term of the commitment using fees currently charged to enter into similar agreements with similar credit risk, are not considered material for disclosure.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTE 5 &#8211; ACCUMULATED OTHER COMPREHENSIVE INCOME</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table presents the changes in accumulated other comprehensive income by component net of tax <FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">for the three months ended March 31, 2013:</FONT></FONT></DIV><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >
<DIV  align=left>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="100%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Unrealized gains on</FONT></FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">available for sale</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">securities (a)</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="85%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Balance as of December 31, 2012</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,391</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="85%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other comprehensive loss before reclassification</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,004</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="85%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amount reclassified from accumulated other comprehensive income</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(122</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="85%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total other comprehensive loss</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,126</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="85%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Balance as of March 31, 2013</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,265</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
<DIV  align=left>&nbsp;</DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(a) All amounts are net of tax.&nbsp;&nbsp;Amounts in parentheses indicate debits.</FONT></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">15</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-WEIGHT: bold"><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold"><FONT style="FONT-WEIGHT: normal">The following table presents significant amounts reclassified out of each component of accumulated other <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: normal">comprehensive income for the three months ended March 31, 2013:</FONT></FONT></FONT></FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-WEIGHT: bold">&nbsp;</FONT></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left>
<DIV  align=left>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="100%">

<TR>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="27%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Details about other comprehensive income</FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amount Reclassified</FONT></FONT></FONT></FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">from Accumulated</FONT></FONT></FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other</FONT></FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Comprehensive</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Income (a)</FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="12%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Affected Line Item in</FONT></FONT></FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">the Statement Where</FONT></FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net Income is</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Presented</FONT></DIV></TD></TR>
<TR>
<TD vAlign=bottom width="27%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="27%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Unealized gains on available for sale securities</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="27%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">185</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="12%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investment securities gains, net</FONT></DIV></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="27%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(63</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="12%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Income taxes</FONT></DIV></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="27%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">122</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="12%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net of tax</FONT></DIV></TD></TR></TABLE></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTE 6 - INVESTMENT SECURITIES AVAILABLE FOR SALE</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The amortized cost and fair values of securities available for sale are as follows:</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="90%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="40%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="58%" colSpan=14>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">March 31, 2013</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(Dollar amounts in thousands)</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amortized</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Cost</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Gross</FONT></FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Unrealized</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Gains</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Gross</FONT></FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Unrealized</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Losses</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Fair</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Value</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR>
<TD vAlign=bottom width="40%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">U.S. government agency <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">securities</FONT></FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">25,277</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">556</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(81</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">25,752</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Obligations of states and p<FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">olitical subdivisions:</FONT></FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Taxable</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,892</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">597</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,489</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Tax-exempt</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">84,379</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,985</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(391</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">87,973</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Mortgage-backed securities in </FONT>government-sponsored entities</FONT></DIV></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">63,710</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,481</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(165</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">65,026</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Private-label mortgage-backed securities</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,216</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">481</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,697</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total debt securities</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">183,474</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,100</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(637</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">189,937</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Equity securities in financial institutions</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">750</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">750</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">184,224</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,100</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(637</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">190,687</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR></TABLE></DIV>
<DIV  align=left>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">16</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="90%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="40%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=14>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">December 31, 2012</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="40%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amortized</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Cost</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Gross</FONT></FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Unrealized</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Gains</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Gross</FONT></FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Unrealized</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Losses</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Fair</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Value</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR>
<TD vAlign=bottom width="40%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">U.S. government agency securities</FONT></FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">24,485</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">566</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(91</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">24,960</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Obligations of states and <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">political subdivisions:</FONT></FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Taxable</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,888</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">738</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,626</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Tax-exempt</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">80,391</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,683</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(104</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">84,970</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Mortgage-backed securities in <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">government-sponsored entities</FONT></FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">69,238</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,929</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(65</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">71,102</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Private-label mortgage-backed securities</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,553</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">511</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,064</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total debt securities</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">185,555</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,427</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(260</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">193,722</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Equity securities in financial institutions</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">750</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">750</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">186,305</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,427</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(260</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">194,472</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR></TABLE></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The amortized cost and fair value of debt securities at March 31, 2013, by contractual maturity, are shown below.&nbsp;&nbsp;Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="80%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(Dollar amounts in thousands)</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amortized</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Cost</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Fair</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Value</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=bottom width="70%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Due in one year or less</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,915</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,985</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Due after one year through five years</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,543</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,811</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Due after five years through ten years</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">21,842</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,805</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Due after ten years</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">154,174</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">159,336</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 45pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">183,474</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">189,937</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
<DIV  align=center>&nbsp;</DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Proceeds from the sales of securities available-for-sale and the gross realized gains and losses for the three months ended March 31 are as follows:</FONT><BR></DIV>
<DIV >&nbsp;</DIV>
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="80%" bgColor=white>

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="70%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2013</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2012</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Proceeds from sales</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,438</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="70%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Gross realized gains</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">204</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Gross realized losses</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(19</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
<DIV >&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Investment securities with an approximate carrying value of $66,318,142&nbsp;and $52,126,000&nbsp;at March 31, 2013 and 2012, respectively, were pledged to secure deposits and other purposes as required by law.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">17</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following tables show the Company&#8217;s gross unrealized losses and fair value, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >
<DIV  align=center>
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="90%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="70%" colSpan=22>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">March 31, 2013</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="22%" colSpan=6>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Less than Twelve Months</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="22%" colSpan=6>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Twelve Months or Greater</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=6>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(Dollar amounts in thousands)</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Fair</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Value</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Gross</FONT></FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Unrealized</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Losses</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Fair</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Value</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Gross</FONT></FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Unrealized</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Losses</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Fair</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Value</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Gross</FONT></FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Unrealized</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Losses</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">U.S. government agency&nbsp;<FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">securities</FONT></FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11,925</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(81</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11,925</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(81</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Obligations of states and&nbsp;<FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">political subdivisions</FONT></FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14,834</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(391</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14,834</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(391</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Mortgage-backed securities in&nbsp;<FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">government-sponsored entities</FONT></FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">15,768</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(165</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">15,768</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(165</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 4px; PADDING-LEFT: 3%" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">42,527</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(637</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">42,527</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(637</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR></TABLE></DIV>
<DIV >&nbsp;</DIV>
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="90%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="70%" colSpan=22>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">December 31, 2012</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="22%" colSpan=6>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Less than Twelve Months</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="22%" colSpan=6>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Twelve Months or Greater</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=6>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Fair</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Value</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Gross</FONT></FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Unrealized</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Losses</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Fair</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Value</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Gross</FONT></FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Unrealized</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Losses</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Fair</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Value</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Gross</FONT></FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Unrealized</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Losses</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">U.S. government agency&nbsp;<FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">securities</FONT></FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,938</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(91</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,938</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(91</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Obligations of states and&nbsp;<FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">political subdivisions</FONT></FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,240</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(104</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,240</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(104</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Mortgage-backed securities in&nbsp;<FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">government-sponsored entities</FONT></FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,353</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(65</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,353</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(65</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 4px; PADDING-LEFT: 3%" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">31,531</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(260</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">31,531</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(260</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR></TABLE></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">There were 49 securities considered temporarily impaired at March 31, 2013.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">On a quarterly basis, the Company performs an assessment to determine whether there have been any events or economic circumstances indicating that a security with an unrealized loss has suffered other-than-temporary impairment (&#8220;OTTI&#8221;). A debt security is considered impaired if the fair value is less than its amortized cost basis at the reporting date. The Company assesses whether the unrealized loss is other-than-temporary.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">OTTI losses are recognized in earnings when the Company has the intent to sell the debt security or it is more likely than not that it will be required to sell the debt security before recovery of its amortized cost basis. However, even if the Company does not expect to sell a debt security, it must evaluate expected cash flows to be received and determine if a credit loss has occurred.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">An unrealized loss is generally deemed to be other than temporary and a credit loss is deemed to exist if the present value of the expected future cash flows is less than the amortized cost basis of the debt security. As a result the credit loss component of an OTTI is recorded as a component of investment securities gains (losses)&nbsp;in the accompanying Consolidated Statement of Income, while the remaining portion of the impairment loss is recognized in other comprehensive income, provided the Company does not intend to sell the underlying debt security and it is &#8220;more likely than not&#8221; that the Company will not have to sell the debt security prior to recovery.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Debt securities issued by U.S. government agencies, U.S. government-sponsored enterprises, and state and political subdivisions accounted for more than 97% of the total available-for-sale portfolio as of March 31, 2013 and no credit losses are expected, given the explicit and implicit guarantees provided by the U.S. federal government and the lack of significant unrealized loss positions within the obligations of state and political subdivisions security portfolio. The Company&#8217;s assessment was concentrated mainly on private-label collateralized mortgage obligations of approximately $4.2 million for which the Company evaluates credit losses on a quarterly basis. The gross unrealized gain position related to these private-label collateralized mortgage obligations amounted to $481,000 on March 31, 2013. The Company considered the following factors in determining whether a credit loss exists and the period over which the debt security is expected to recover:</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV >
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="100%">

<TR>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="3%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#8226;</FONT></DIV></TD>
<TD vAlign=top width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="84%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">The length of time and the extent to which the fair value has been less than the amortized cost basis.</FONT></DIV></TD></TR>
<TR>
<TD vAlign=center width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=center width="3%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=center width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=center width="84%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD></TR>
<TR>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="3%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#8226;</FONT></DIV></TD>
<TD vAlign=top width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="84%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Changes in the near term prospects of the underlying collateral of a security such as changes in default rates, loss severity given default and significant changes in prepayment assumptions;</FONT></DIV></TD></TR></TABLE>
<DIV >&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">18</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV >&nbsp;</DIV>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="100%">

<TR>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="3%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#8226;</FONT></DIV></TD>
<TD vAlign=top width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="84%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">The level of cash flows generated from the underlying collateral supporting the principal and interest payments of the debt securities; and</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >&nbsp;</DIV></TD></TR>
<TR>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="3%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#8226;</FONT></DIV></TD>
<TD vAlign=top width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="84%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Any adverse change to the credit conditions and liquidity of the issuer, taking into consideration the latest information available about the overall financial condition of the issuer, credit ratings, recent legislation and government actions affecting the issuer&#8217;s industry and actions taken by the issuer to deal with the present economic climate.</FONT></DIV></TD></TR></TABLE></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">For the three months ended March 31, 2013 and 2012, there were no available-for-sale debt securities with an unrealized loss that suffered OTTI.</FONT><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTE 7 - LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Major classifications of loans are summarized as follows (in thousands):</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="80%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="70%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">March 31,</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2013</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">December 31,</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2012</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR>
<TD vAlign=bottom width="70%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial and industrial</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">55,401</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">62,188</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate - construction</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,817</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,522</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate - mortgage:</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Residential</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">199,063</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">203,872</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">125,799</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">115,734</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer installment</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,974</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,117</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%">&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">407,054</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">408,433</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Less allowance for loan losses</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,732</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,779</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net loans</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">399,322</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">400,654</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR></TABLE></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company&#8217;s primary business activity is with customers located within its local trade area, eastern Geauga County, and contiguous counties to the north, east, and south.&nbsp;&nbsp;The Company also serves the central Ohio market with offices in Dublin and Westerville, Ohio.&nbsp;&nbsp;Commercial, residential, consumer, and agricultural loans are granted.&nbsp;&nbsp;Although the Company has a diversified loan portfolio, loans outstanding to individuals and businesses are dependent upon the local economic conditions in the Company&#8217;s immediate trade area.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff generally are reported at their outstanding unpaid principal balances net of the allowance for loan losses.&nbsp;&nbsp;Interest income is recognized as income when earned on the accrual method.&nbsp;&nbsp;The accrual of interest is discontinued on a loan when management believes, after considering economic and business conditions, the borrower&#8217;s financial condition is such that collection of interest is doubtful.&nbsp;&nbsp;Interest received on nonaccrual loans is recorded as income or applied against principal according to management&#8217;s judgment as to the collectability of such principal.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Loan origination fees and certain direct loan origination costs are being deferred and the net amount amortized as an adjustment of the related loan&#8217;s yield.&nbsp;&nbsp;Management is amortizing these amounts over the contractual life of the related loans.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">19</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following tables summarize the primary segments of the loan portfolio and allowance for loan losses (in thousands):</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="95%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" vAlign=bottom width="22%" colSpan=6>
<DIV style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real Estate- Mortgage</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%" align=right>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">March 31, 2013</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="11%" colSpan=3>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial and industrial</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="11%" colSpan=3>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate- construction</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Residential</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="11%" colSpan=3>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;installment</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loans:</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Individually evaluated for impairment</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,975</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,772</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,794</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,832</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">19,391</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Collectively evaluated for impairment</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">52,426</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">19,045</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">193,269</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">118,967</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,956</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">387,663</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total loans</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">55,401</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,817</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">199,063</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">125,799</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,974</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">407,054</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="95%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" vAlign=bottom width="22%" colSpan=6>
<DIV style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate- Mortgage</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%" align=right>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">December 31, 2012</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="11%" colSpan=3>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial and industrial</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="11%" colSpan=3>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate- construction</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Residential</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="11%" colSpan=3>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer </FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">installment</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loans:</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Individually evaluated for impairment</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,592</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,993</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,761</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,914</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">28</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">21,288</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Collectively evaluated for impairment</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">57,596</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,529</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">198,111</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">108,820</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,089</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">387,145</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total loans</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">62,188</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,522</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">203,872</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">115,734</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,117</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">408,433</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>
<DIV  align=left>
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="95%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" vAlign=bottom width="22%" colSpan=6>
<DIV style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real Estate- Mortgage</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%" align=right>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">March 31, 2013</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="11%" colSpan=3>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial and industrial</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="11%" colSpan=3>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate- construction</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Residential</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="11%" colSpan=3>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer </FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">installment</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="28%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Allowance for loan losses:</FONT></FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Ending allowance balance attributable to loans:</FONT></FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Individually evaluated for impairment</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">700</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">790</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">703</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">682</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,876</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Collectively evaluated for impairment</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">530</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">258</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,503</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,519</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">46</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,856</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 446pt" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;&nbsp;&nbsp;Total ending allowance balance</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,230</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,048</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,206</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,201</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">47</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,732</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
<DIV >&nbsp;</DIV>
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="95%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" vAlign=bottom width="22%" colSpan=6>
<DIV style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real Estate- Mortgage</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%" align=right>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">December 31, 2012</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="11%" colSpan=3>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial and industrial</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="11%" colSpan=3>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate- construction</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Residential</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="11%" colSpan=3>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer </FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">installment</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=bottom width="28%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Allowance for loan losses:</FONT></FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Ending allowance balance attributable to loans:</FONT></FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Individually evaluated for impairment</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,189</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">933</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">600</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">960</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,688</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Collectively evaluated for impairment</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">543</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">190</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,272</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,031</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">55</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,091</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 446pt" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;&nbsp;&nbsp;Total ending allowance balance</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,732</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,123</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,872</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,991</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">61</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,779</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company&#8217;s loan portfolio is segmented to a level that allows management to monitor risk and performance.&nbsp;&nbsp;The portfolio is segmented into Commercial and Industrial (&#8220;C&amp;I&#8221;), Real Estate Construction, Real Estate - Mortgage which is further segmented into Residential and Commercial real estate, and Consumer Installment Loans.&nbsp;&nbsp;The C&amp;I loan segment consists of loans made for the purpose of financing the activities of commercial customers.&nbsp;&nbsp;The residential mortgage loan segment consists of loans made for the purpose of financing the activities of residential homeowners.&nbsp;&nbsp;The commercial mortgage loan segment consists of loans made for the purposed of financing the activities of commercial real estate owners and operators.&nbsp;The consumer loan segment consists primarily of installment loans and overdraft lines of credit connected with customer deposit accounts.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Management evaluates individual loans in all of the commercial segments for possible impairment if the loan is greater than $150,000 and if the loan either is in nonaccrual status, or is risk rated Special Mention or Substandard and is greater than 90 days past due.&nbsp;&nbsp;Loans are considered to be impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.&nbsp;&nbsp;Factors considered by management in evaluating impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due.&nbsp;&nbsp;Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&#8217;s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.&nbsp;&nbsp;The Company does not separately evaluate individual consumer and residential mortgage loans for impairment, unless such loans are part of a larger relationship that is impaired.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">20</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&nbsp;</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Once the determination has been made that a loan is impaired, the determination of whether a specific allocation of the allowance is necessary is measured by comparing the recorded investment in the loan to the fair value of the loan using one of three methods:&nbsp;&nbsp;(a) the present value of expected future cash flows discounted at the loan&#8217;s effective interest rate; (b) the loan&#8217;s observable market price; or (c) the fair value of the collateral less selling costs.&nbsp;&nbsp;The method is selected on a loan-by loan basis, with management primarily utilizing the fair value of collateral method.&nbsp;&nbsp;The evaluation of the need and amount of a specific allocation of the allowance and whether a loan can be removed from impairment status is made on a quarterly basis.&nbsp;&nbsp;The Company&#8217;s policy for recognizing interest income on impaired loans does not differ from its overall policy for interest recognition.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table presents impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary (in thousands):</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="85%">

<TR>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="18%" colSpan=13>
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">March 31, 2013</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="55%" colSpan=13>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Impaired Loans</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR>
<TD style="BORDER-BOTTOM: black 2px solid; PADDING-BOTTOM: 2px" vAlign=bottom width="3%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="52%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Recorded</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investment</FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Unpaid </FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Principal </FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Balance</FONT></FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Related</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Allowance</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="69%" colSpan=5 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">With no related allowance recorded:</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="3%">&nbsp;</TD>
<TD vAlign=bottom width="52%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial and industrial</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,271</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,271</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="3%">&nbsp;</TD>
<TD vAlign=bottom width="52%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate - construction</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">322</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">322</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="3%">&nbsp;</TD>
<TD vAlign=bottom width="52%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate - mortgage:</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="3%">&nbsp;</TD>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="52%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Residential</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,617</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,730</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="3%">&nbsp;</TD>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="52%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,772</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,772</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="3%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="52%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer installment</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="3%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="52%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,992</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,105</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="3%">&nbsp;</TD>
<TD vAlign=bottom width="52%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="55%" colSpan=2 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">With an allowance recorded:</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="3%">&nbsp;</TD>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 446pt" vAlign=bottom width="52%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial and industrial</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,704</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,704</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">700</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="3%">&nbsp;</TD>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 446pt" vAlign=bottom width="52%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate - construction</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,450</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,450</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">790</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="3%">&nbsp;</TD>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 446pt" vAlign=bottom width="52%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate - mortgage:</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="3%">&nbsp;</TD>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="52%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Residential</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,025</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,064</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">703</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="3%">&nbsp;</TD>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="52%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,060</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,060</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">682</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="3%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="52%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer installment</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="3%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="52%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11,247</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11,286</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,876</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="3%">&nbsp;</TD>
<TD vAlign=bottom width="52%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="55%" colSpan=2 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total:</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="3%">&nbsp;</TD>
<TD vAlign=bottom width="52%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial and industrial</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,975</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,975</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">700</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="3%">&nbsp;</TD>
<TD vAlign=bottom width="52%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate - construction</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,772</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,772</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">790</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="3%">&nbsp;</TD>
<TD vAlign=bottom width="52%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate - mortgage:</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="3%">&nbsp;</TD>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="52%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Residential</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,642</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,794</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">703</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="3%">&nbsp;</TD>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="52%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,832</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,832</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">682</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="3%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="52%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer installment</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="3%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="52%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">19,239</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">19,391</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,876</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR></TABLE></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">21</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="85%">

<TR>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="5%" colSpan=2 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">December 31, 2012</FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid; PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="55%" colSpan=13>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Impaired Loans</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="5%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="50%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Recorded</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investment</FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Unpaid </FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Principal </FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Balance</FONT></FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Related</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Allowance</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="69%" colSpan=5 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">With no related allowance recorded:</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="5%">&nbsp;</TD>
<TD vAlign=bottom width="50%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial and industrial</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,230</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,229</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="5%">&nbsp;</TD>
<TD vAlign=bottom width="50%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate - construction</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">308</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">308</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="5%">&nbsp;</TD>
<TD vAlign=bottom width="50%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate - mortgage:</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="5%">&nbsp;</TD>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="50%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Residential</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,716</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,729</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="5%">&nbsp;</TD>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="50%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,143</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,164</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="5%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="50%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer installment</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="5%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="50%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,408</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,441</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="5%">&nbsp;</TD>
<TD vAlign=bottom width="50%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="55%" colSpan=2 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">With an allowance recorded:</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="5%">&nbsp;</TD>
<TD vAlign=bottom width="50%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial and industrial</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,362</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,367</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,189</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="5%">&nbsp;</TD>
<TD vAlign=bottom width="50%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate - construction</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,685</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,685</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">933</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="5%">&nbsp;</TD>
<TD vAlign=bottom width="50%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate - mortgage:</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="5%">&nbsp;</TD>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="50%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Residential</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,045</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,054</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">600</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="5%">&nbsp;</TD>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="50%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,771</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,776</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">960</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="5%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="50%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer installment</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">17</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">17</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="5%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="50%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,880</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,899</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,688</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="5%">&nbsp;</TD>
<TD vAlign=bottom width="50%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="55%" colSpan=2 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total:</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="5%">&nbsp;</TD>
<TD vAlign=bottom width="50%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial and industrial</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,592</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,596</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,189</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="5%">&nbsp;</TD>
<TD vAlign=bottom width="50%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate - construction</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,993</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,993</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">933</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="5%">&nbsp;</TD>
<TD vAlign=bottom width="50%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate - mortgage:</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="5%">&nbsp;</TD>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="50%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Residential</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,761</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,783</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">600</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="5%">&nbsp;</TD>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="50%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,914</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,940</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">960</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="5%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="50%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer installment</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">28</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">28</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="5%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="50%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">21,288</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">21,340</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,688</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR></TABLE></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table presents interest income by class, recognized on impaired loans:</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>
<DIV  align=left>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="100%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom colSpan=6>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">As of March 31, 2013</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom colSpan=6>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">As of March 31, 2012</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="TEXT-ALIGN: center; PADDING-BOTTOM: 2px" vAlign=bottom><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" vAlign=bottom colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Average </FONT></FONT>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Recorded </FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investment</FONT></FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" vAlign=bottom><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" vAlign=bottom colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest</FONT> </FONT>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Income </FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Recognized</FONT></FONT></DIV></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: center" vAlign=bottom><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" vAlign=bottom colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Average </FONT></FONT>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Recorded </FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investment</FONT></FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" vAlign=bottom><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" vAlign=bottom colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest </FONT></FONT>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Income </FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Recognized</FONT></FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total:</FONT></DIV></TD>
<TD vAlign=bottom><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 6%" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial and industrial</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,975</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">55</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,781</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 6%" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate - construction</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,772</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">37</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">471</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 6%" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate - mortgage:</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 54pt" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Residential</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,642</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">74</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,809</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">27</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 54pt" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,832</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">110</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,884</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">26</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 6%" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer installment</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">28</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">22</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Management uses a nine point internal risk rating system to monitor the credit quality of the overall loan portfolio. The first five categories are considered not criticized, and are aggregated as &#8220;Pass&#8221; rated. The criticized rating categories used by management generally follow bank regulatory definitions. The Special Mention category includes assets that are currently protected but are potentially weak, resulting in an undue and unwarranted credit risk, but not to the point of justifying a Substandard classification.&nbsp;&nbsp;Loans in the Substandard category have well-defined weaknesses that jeopardize the liquidation of the debt, and have a distinct possibility that some loss will be sustained if the weaknesses are not corrected.&nbsp;&nbsp;All loans greater than 90 days past due are considered Substandard.&nbsp;&nbsp; Assets classified as &#8220;doubtful&#8221; have all the weaknesses inherent in those classified substandard, with the added characteristic that the weaknesses make collection of principal in full &#8212; on the basis of currently existing facts, conditions, and values &#8212; highly questionable and improbable. Any portion of a loan that has been charged off is placed in the Loss category.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay a loan as agreed, the Company has a structured loan rating process with several layers of internal and external oversight.&nbsp;&nbsp;Generally, consumer and residential mortgage loans are included in the Pass categories unless a specific action, such as bankruptcy, repossession, or death occurs to raise awareness of a possible credit event.&nbsp;&nbsp;The Company&#8217;s Commercial Loan Officers are responsible for the timely and accurate risk rating of the loans in their portfolios at origination and on an ongoing basis.&nbsp;&nbsp;The Credit Department performs an annual review of all commercial relationships $200,000 or greater.&nbsp;&nbsp;Confirmation of the appropriate risk grade is included in the review on an ongoing basis.&nbsp;&nbsp;The Company has an experienced Loan Review Department that continually reviews and assesses loans within the portfolio.&nbsp;&nbsp;The Company engages an external consultant to conduct loan reviews on a semi-annual basis. Generally, the external consultant reviews commercial relationships greater than $250,000 and/or criticized relationships greater than $125,000.&nbsp;&nbsp;Detailed reviews, including plans for resolution, are performed on loans classified as Substandard on a quarterly basis.&nbsp;&nbsp;Loans in the Special Mention and Substandard categories that are collectively evaluated for impairment are given separate consideration in the determination of the allowance.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The primary risk of commercial and industrial loans is the current economic uncertainties. C &amp; I loans are, by nature, secured by less substantial collateral than real estate secured loans. The primary risk of real estate construction loans is potential delays and /or disputes during the completion process.&nbsp;&nbsp;The primary risk of residential real estate loans is current economic uncertainties along with the slow recovery in the housing market.&nbsp;&nbsp;The primary risk of commercial real estate loans is loss of income of the owner or occupier of the property and the inability of the market to sustain rent levels. Consumer installment loans historically have experienced higher delinquency rates. Consumer installments are typically secured by less substantial collateral than other types of credits.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system (in thousands):</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="90%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="3%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="22%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Pass</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Special</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Mention</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Substandard</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Doubtful</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Loans</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=bottom width="10%" colSpan=2 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">March 31, 2013</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=bottom width="3%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="22%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="3%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="22%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial and industrial</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">51,789</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">929</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,640</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">43</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">55,401</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="3%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="22%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate - construction</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,105</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">923</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,790</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,817</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="3%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="22%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate - mortgage:</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="3%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="22%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">185,856</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">967</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,240</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">199,063</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="3%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="22%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">117,462</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,149</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,189</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">125,799</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="3%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="22%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer installment</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,953</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">21</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,974</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="3%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="22%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">377,165</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,967</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">23,880</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">43</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">407,054</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">23</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&nbsp;</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="90%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="10%" colSpan=2 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">December 31, 2012</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Pass</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Special</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Mention</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Substandard</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Doubtful</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Loans</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=bottom width="3%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="22%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="3%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="22%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial and industrial</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">59,390</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">678</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,061</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">59</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">62,188</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="3%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="22%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate - construction</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">17,601</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,921</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,522</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="3%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="22%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate - mortgage:</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="3%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="22%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Residential</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">190,967</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">758</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,147</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">203,872</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="3%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="22%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">106,509</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,928</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,297</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">115,734</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="3%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="22%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer installment</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,084</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">33</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,117</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="3%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="22%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">378,551</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,364</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">26,459</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">59</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">408,433</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Non-performing assets includes non-accrual loans, troubled debt restructurings (TDRs), loans 90 days or more past due, assets purchased by EMORECO from EB, OREO, and repossessed assets. A loan is classified as non-accrual when, in the opinion of management, there are serious doubts about collectability of interest and principal. Accrual of interest is discontinued on a loan when management believes, after considering economic and business conditions, the borrower&#8217;s financial condition is such that collection of principal and interest is doubtful.&nbsp;&nbsp;Payments received on nonaccrual loans are applied against principal according to management&#8217;s shadow accounting system.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table presents the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans (in thousands):</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="90%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="20%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="8%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="38%" colSpan=14>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Still Accruing</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="8%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="8%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="20%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="8%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Current</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="8%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">30-59 Days</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Past Due</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="8%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">60-89 Days</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Past Due</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="8%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">90 Days+</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Past Due</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="8%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Past Due</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="8%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Non-</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Accrual</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="8%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Loans</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="20%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">March 31, 2013</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="8%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="8%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="8%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="8%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="8%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="8%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="8%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="20%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="8%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="8%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="8%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="8%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="8%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="8%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="8%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="20%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial and industrial</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">53,319</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,545</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">156</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,701</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">381</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">55,401</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="20%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate - construction</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,669</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">148</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,817</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="20%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate - mortgage:</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="20%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Residential</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">185,879</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,976</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">613</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">361</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,950</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,234</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">199,063</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="20%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">123,720</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">650</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">115</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">765</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,314</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">125,799</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="20%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer installment</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,890</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">66</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">70</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,974</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="20%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">389,477</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,237</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">888</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">361</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,486</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,091</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">407,054</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
<DIV  align=left>&nbsp;</DIV>
<DIV  align=left>
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="90%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="21%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="9%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="43%" colSpan=14>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Still Accruing</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="9%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="9%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="21%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="9%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Current</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="9%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">30-59 Days</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Past Due</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="9%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">60-89 Days</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Past Due</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="9%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">90 Days+</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Past Due</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="9%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Past Due</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="9%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Non-</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Accrual</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="9%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Loans</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=bottom width="21%" colSpan=2 align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">December 31, 2012</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="9%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="9%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="9%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="9%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="9%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="9%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="9%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="21%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="9%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="9%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="9%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="9%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="9%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="9%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="9%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="21%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial and industrial</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">60,428</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">441</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">63</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">348</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">852</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">908</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">62,188</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="21%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate - construction</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,158</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">364</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,522</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="21%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate - mortgage:</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="21%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">191,349</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,614</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,401</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">90</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,105</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,418</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">203,872</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="21%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">113,023</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">509</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">97</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">606</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,105</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">115,734</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="21%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer installment</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,074</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">25</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">25</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,117</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="21%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">391,032</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,589</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,561</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">438</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,588</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11,813</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">408,433</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV></DIV>
<DIV  align=left>&nbsp;</DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">An allowance for loan losses (&#8220;ALLL&#8221;) is maintained to absorb losses from the loan portfolio.&nbsp;&nbsp;The ALLL is based on management&#8217;s continuing evaluation of the risk characteristics and credit quality of the loan portfolio, assessment of current economic conditions, diversification and size of the portfolio, adequacy of collateral, past and anticipated loss experience, and the amount of nonperforming loans.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">24</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&nbsp;</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company&#8217;s methodology for determining the ALLL is based on the requirements of ASC Section 310-10-35 for loans individually evaluated for impairment (discussed above) and ASC Subtopic 450-20 for loans collectively evaluated for impairment, as well as the Interagency Policy Statements on the Allowance for Loan and Lease Losses and other bank regulatory guidance.&nbsp;&nbsp;&nbsp;The total of the two components represents the Company&#8217;s ALLL.&nbsp;&nbsp;Management also performs impairment analyses on TDRs, which may result in specific reserve.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Loans that are collectively evaluated for impairment are analyzed with general allowances being made as appropriate.&nbsp;&nbsp;For general allowances, historical loss trends are used in the estimation of losses in the current portfolio.&nbsp;&nbsp;These historical loss amounts are modified by other qualitative factors.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The classes described above, which are based on the purpose code assigned to each loan, provide the starting point for the ALLL analysis.&nbsp;&nbsp;Management tracks the historical net charge-off activity at the purpose code level.&nbsp;&nbsp;A historical charge-off factor is calculated using the last four consecutive historical quarters.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Management has identified a number of additional qualitative factors which it uses to supplement the historical charge-off factor because these factors are likely to cause estimated credit losses associated with the existing loan pools to differ from historical loss experience.&nbsp;&nbsp;The additional factors that are evaluated quarterly and updated using information obtained from internal, regulatory, and governmental sources are: national and local economic trends and conditions; levels of and trends in delinquency rates and nonaccrual loans; trends in volumes and terms of loans; effects of changes in lending policies; experience, ability, and depth of lending staff; value of underlying collateral; and concentrations of credit from a loan type, industry and/or geographic standpoint.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Management reviews the loan portfolio on a quarterly basis using a defined, consistently applied process in order to make appropriate and timely adjustments to the ALLL.&nbsp;&nbsp;When information confirms all or part of specific loans to be uncollectible, these amounts are promptly charged off against the ALLL.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table summarizes the primary segments of the loan portfolio (in thousands):</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>
<DIV  align=center>
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="90%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="11%" colSpan=3>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial </FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">and industrial</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="11%" colSpan=3>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate- construction</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="11%" colSpan=3>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate- </FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">residential </FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">mortgage</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="11%" colSpan=3>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate- commercial </FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">mortgage</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="11%" colSpan=3>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer </FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">installment</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">ALL balance at December 31, 2012</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,732</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,123</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,872</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,991</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">61</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,779</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Charge-offs</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(325</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(61</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(67</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(17</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(470</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Recoveries</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">33</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">24</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">46</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">110</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Provision</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(178</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(47</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">377</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">164</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(3</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">313</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">ALL balance at March 31, 2013</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,230</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,048</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,206</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,201</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">47</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,732</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR></TABLE></DIV>
<DIV >&nbsp;</DIV>
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="90%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="11%" colSpan=3>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial </FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">and industrial</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="11%" colSpan=3>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate- construction</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="11%" colSpan=3>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate- </FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">residential </FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">mortgage</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="11%" colSpan=3>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate- commercial </FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">mortgage</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="11%" colSpan=3>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer </FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">installment</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">ALL balance at December 31, 2011</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,296</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">438</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,731</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,306</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">48</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,819</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Charge-offs</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(98</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(53</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(14</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(166</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Recoveries</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Provision</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">114</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">39</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">328</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">115</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">600</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">ALL balance at March 31, 2012</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,412</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">477</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,964</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,368</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">46</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,267</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR></TABLE></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">A provision in any loan portfolio is not necessarily related to current charge-offs, but is a result of the evaluation of the loans in that category.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">25</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following tables summarize troubled debt restructurings and subsequent defaults (in thousands):</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="90%">

<TR>
<TD vAlign=bottom width="40%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: center" vAlign=bottom width="43%" colSpan=10>
<DIV ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Modifications</FONT></FONT></DIV>
<DIV ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">As of March 31, 2013</FONT></FONT></DIV>
<DIV >&nbsp;</DIV></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="40%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="43%" colSpan=10>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Number of Contracts</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="14%" colSpan=3>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Pre-Modification </FONT></DIV></TD></TR>
<TR>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Troubled Debt Restructurings</FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid; PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" vAlign=bottom width="13%" colSpan=2>
<DIV ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Term </FONT></FONT></DIV>
<DIV ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Modification</FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other</FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" vAlign=bottom width="13%" colSpan=2>
<DIV >
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Outstanding <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Recorded </FONT></FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investment</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 5%" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial and industrial</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: center" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: center" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">735</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 5%" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate- mortgage:</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: center" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="40%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 45pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Residential</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: center" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: center" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">383</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="40%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 45pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: center" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: center" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">644</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR></TABLE></DIV></DIV>
<DIV style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="80%">

<TR>
<TD vAlign=bottom width="70%">&nbsp;</TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="24%" colSpan=6>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="5%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" >
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Troubled Debt Restructurings </FONT>subsequently defaulted</FONT></DIV></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Number </FONT><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">of </FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Contracts</FONT></FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="14%" colSpan=3>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Recorded Investment</FONT></DIV></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial and industrial</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: center" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">248</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="5%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate- mortgage:</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: center" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="5%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Residential</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: center" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">68</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="5%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer Installment</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: center" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="8%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="5%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>
<DIV  align=left>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="100%">

<TR>
<TD vAlign=bottom width="40%">&nbsp;</TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: center" vAlign=bottom width="43%" colSpan=10><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Modifications </FONT></FONT>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">As of March 31, 2012</FONT></FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>&nbsp;</DIV></DIV></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="8%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="6%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="28%" colSpan=6>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Number of Contracts</FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="14%" colSpan=3>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Pre-Modification&nbsp; </FONT></DIV></TD></TR>
<TR>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Troubled Debt Restructurings</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Term </FONT></FONT>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Modification</FONT></FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other</FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" vAlign=bottom width="8%" colSpan=3><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Outstanding </FONT><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Recorded Investment</FONT></FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 5%" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial and industrial</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: center" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">178</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="6%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 5%" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate- mortgage:</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="6%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="40%">
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 45pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Residential</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: center" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">94</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="6%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 5%" vAlign=bottom width="40%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer Installment</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: center" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="7%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="6%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="80%">

<TR>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" vAlign=bottom width="70%">
<DIV style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT>
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Troubled Debt Restructurings </FONT>subsequently defaulted</FONT></DIV></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Number of </FONT></FONT>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Contracts</FONT></FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="14%" colSpan=3>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Recorded Investment</FONT></DIV></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 5%" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial and industrial</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: center" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: center" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">90</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 5%" vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer Installment</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: center" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: center" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">28</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Item 2.&nbsp;&nbsp;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following discussion and analysis provides further detail to the financial condition and results of operations of the Company. The MD&amp;A should be read in conjunction with the notes and financial statements presented in this report.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">CHANGES IN FINANCIAL CONDITION</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">General.&nbsp;&nbsp;</FONT>The Company&#8217;s total assets ended the March 31, 2013 quarter at $667.0 million, a decrease of $3.3 million or 0.5% from December 31, 2012.&nbsp;&nbsp;Investment securities available for sale decreased $3.8 million and net loans decreased $1.3 million. The decrease in total assets reflected a corresponding decrease in total liabilities of $3.8 million or 0.6% and an increase in stockholders&#8217; equity of $413,000 or 0.7%.&nbsp;&nbsp;The decrease in total liabilities was the result of decreases in deposits, borrowings, and accrued interest and other liabilities of $1.8 million, or 0.3%, $1.5 million, or 7.6%, and $400,000, or 19.9% respectively, for the quarter.&nbsp;&nbsp;The increase in stockholders&#8217; equity resulted mostly from an increase in retained earnings and common stock of $1.1 million and $402,000, respectively.&nbsp;&nbsp;A partial offset resulted from a decrease in accumulated other comprehensive income of $1.1 million, or 20.9%.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">26</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&nbsp;</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">Cash on hand and due from banks. </FONT>Cash on hand and due from banks and Federal funds sold represent cash and cash equivalents. Cash and cash equivalents increased $284,000 or 0.6% to $45.6 million at March 31, 2013 from $45.3 million at December 31, 2012.&nbsp;&nbsp;Deposits from customers into savings and checking accounts, loan and security repayments and proceeds from borrowed funds typically increase these accounts. Decreases result from customer withdrawals, new loan originations, security purchases and repayments of borrowed funds.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">Investment securities.&nbsp;&nbsp;</FONT>Investment securities available for sale on March 31, 2013 totaled $190.7 million, a decrease of $3.8 million or 1.9% from $194.5 million at December 31, 2012. During this period the Company recorded purchases of available for sale securities of $12.5 million, consisting of mortgage-backed securities and municipal bonds.&nbsp;&nbsp;Offsetting the purchases of securities were repayments, calls, and maturities of $6.8 million.&nbsp;&nbsp;Sales of securities were $7.4 million with gross realized gains of $204,000 being partially offset by gross realized losses of $19,000.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">Loans receivable. </FONT>The loans receivable category consists primarily of single-family mortgage loans used to purchase or refinance personal residences located within the Company&#8217;s market area and commercial real estate loans used to finance properties that are used in the borrowers&#8217; businesses or to finance investor-owned rental properties, and to a lesser extent, construction and consumer loans. Net loans receivable decreased $1.3 million or 0.3% to $399.0 million as of March 31, 2013 from $400.7 million at December 31, 2012. Included in this amount was a decrease in the commercial and industrial loan portfolio of $6.8 million, or 10.9%, and the residential real estate mortgage segment of $4.8 million or 2.4%.&nbsp;&nbsp;These amounts were partially offset by an increase in the commercial real estate portfolio of $10.1 million, or 8.7%.&nbsp;&nbsp;A reclassification was responsible for $6.5 million&nbsp;of the changes between the two commercial categories.&nbsp;&nbsp;The Company&#8217;s lending philosophy centers around the growth of the commercial loan portfolio. The Company has taken a proactive approach in servicing the needs of both new and current clients. These relationships generally offer more attractive returns than residential loans and also offer opportunities for attracting larger balance deposit relationships. However, the shift in loan portfolio mix from residential real estate to commercial-oriented loans may increase credit risk.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">Allowance for Loan Losses and Asset Quality. </FONT>The Company decreased the allowance for loan losses to $7.7 million, or 1.9% of total loans, at March 31, 2013, compared to $7.8 million, or 1.9%, at December 31, 2012. The decrease in the allowance for loan losses is a result of the Company&#8217;s approach to accurately measure credits identified as troubled in quarters past.&nbsp;&nbsp;First quarter 2013 net loan charge-offs totaled $360,000, or 0.09% of average loans, compared to $152,000, or 0.04%, for the first quarter of 2012. To maintain the adequacy of the allowance for loan losses, the Company recorded a first quarter provision for loan losses of $313,000, versus $600,000 for the first quarter of 2012.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Management analyzes the adequacy of the allowance for loan losses regularly through reviews of the performance of the loan portfolio considering economic conditions, changes in interest rates and the effect of such changes on real estate values and changes in the amount and composition of the loan portfolio. The allowance for loan losses is a material estimate that is particularly susceptible to significant changes in the near term. Such evaluation, which includes a review of all loans for which full collectability may not be reasonably assured, considers among other matters, historical loan loss experience, the estimated fair value of the underlying collateral, economic conditions, current interest rates, trends in the borrower&#8217;s industry and other factors that management believes warrant recognition in providing for an appropriate allowance for loan losses. Future additions to the allowance for loan losses will be dependent on these factors. Additionally, the Company uses an outside party to conduct an independent review of commercial and commercial real estate loans. The Company uses the results of this review to help determine the effectiveness of the existing policies and procedures, and to provide an independent assessment of the allowance for loan losses allocated to these types of loans. Management believes the allowance for loan losses is appropriately stated at March 31, 2013. Based on the variables involved and management&#8217;s judgments about uncertain outcomes, the determination of the allowance for loan losses is considered a critical accounting policy.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">27</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">Nonperforming assets.&nbsp;&nbsp;</FONT>Nonperforming assets includes nonaccrual loans, troubled debt restructurings (TDRs), loans 90 days or more past due, assets purchased by EMORECO from EB, other real estate, and repossessed assets. Real estate owned is written down to fair value at its initial recording and continually monitored for changes in fair value. <FONT style="FONT-STYLE: italic">&nbsp;</FONT>A loan is classified as nonaccrual when, in the opinion of management, there are serious doubts about collectability of interest and principal. Accrual of interest is discontinued on a loan when management believes, after considering economic and business conditions, the borrower&#8217;s financial condition is such that collection of principal and interest is doubtful.&nbsp;&nbsp;Payments received on nonaccrual loans are applied against principal according to management&#8217;s shadow accounting system. The shadow accounting system tracks interest on nonaccrual loan payments as though current.&nbsp; The shadow account splits principal and interest on payments while the actual account undergoes only a principal reduction.&nbsp;TDRs are those loans which the Company, for economic or legal reasons related to a borrower&#8217;s financial difficulties, grants a concession to the borrower that the Company would not otherwise consider. The Company has 53 TDRs with a total balance of $6.2 million as of March 31, 2013. Nonperforming loans amounted to $13.9 million, or 3.4% of total loans, and $14.2 million, or 3.5% of total loans, at March 31, 2013 and December 31, 2012, respectively.&nbsp;&nbsp;A TDR that yields market interest rate at the time of restructuring and is in compliance with its modified terms is no longer reported as TDR in calendar years after the year in which the restructuring took place. To be in compliance with its modified terms, a loan that is a TDR must not be in nonaccrual status and must be current or less than 30 days past due on its contractual principal and interest payments under the modified repayment terms.&nbsp;&nbsp;Nonperforming loans secured by real estate totaled $13.1 million as of March 31, 2013, up $300,000 from $12.8 million at December 31, 2012.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
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<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="95%">

<TR>
<TD vAlign=bottom width="25%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%" align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: center" vAlign=bottom width="58%" colSpan=18>
<DIV style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(Dollar amounts in thousands)</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=bottom width="25%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(Dollar amounts in thousands)</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2 align=right>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3/31/2013</FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2 align=right>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12/31/2012</FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2 align=right>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9/30/2012</FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2 align=right>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6/30/2012</FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2 align=right>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3/31/2012</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=bottom width="25%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Nonperforming loans</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13,899</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14,194</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">15,404</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">17,177</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">17,677</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate owned</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,155</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,846</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,332</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,986</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,125</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="25%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Nonperforming assets</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">16,054</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">16,040</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">17,736</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">19,163</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">19,802</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="25%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Allowance for loan losses</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,732</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,779</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,173</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,752</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,267</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="25%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Ratios</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Nonperforming loans to total loans</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.41</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.48</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.76</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.18</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.37</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Nonperforming assets to total <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">assets</FONT></FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.41</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.39</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.67</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.95</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.01</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Allowance for loan losses to total <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">loans</FONT></FONT></FONT></DIV></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.90</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.90</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.75</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.89</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.80</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="25%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Allowance for loan losses to <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">nonperforming loans</FONT></FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">55.63</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">54.80</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">46.57</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45.13</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">41.11</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR></TABLE></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">A major factor in determining the appropriateness of the allowance for loan losses is the type of collateral which secures the loans. Of the total nonperforming loans at March 31, 2013,&nbsp;94.2%&nbsp;were secured by real estate. Although this does not insure against all losses, the real estate typically provides for at least partial recovery, even in a distressed-sale and declining-value environment.&nbsp;&nbsp;In response to the poor economic conditions which have eroded the performance of the Company&#8217;s loan portfolio, additional resources have been allocated to the loan workout process. The Company&#8217;s objective is to minimize the future loss exposure to the Company.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">Deposits. </FONT>The Company considers various sources when evaluating funding needs, including but not limited to deposits, which are a significant source of funds totaling $591.5 million or 97.0% of the Company&#8217;s total funding sources at March 31, 2013. Total deposits decreased $1.8 million or 0.3% to $591.5 million at March 31, 2013 from $593.3 million at December 31, 2012. The decrease in deposits is primarily related to the reduction of time deposits, noninterest-bearing demand deposits, and money market accounts of $8.6 million or&nbsp;4.4%, $2.6 million or 3.4%, and $1.3 million or 1.6%, respectively, at March 31, 2013.&nbsp;&nbsp;These decreases were partially offset by an increase in savings and interest-bearing demand deposits of $6.5 million, or 3.7%, and $4.1 million, or 6.5%, respectively, during the three months ended March 31, 2013.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">Borrowed funds. </FONT>The Company uses short and long-term borrowings as another source of funding used for asset growth and liquidity needs. These borrowings primarily include FHLB advances, junior subordinated debt, short-term borrowings from other banks and repurchase agreements. Short-term borrowings decreased $1.3 million, or 19.9%, to $5.2 million as of March 31, 2013.&nbsp;&nbsp;Other borrowings, representing advances from the Federal Home Loan Bank of Cincinnati, declined $191,000 for the quarter as a result of scheduled principal payments.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">28</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&nbsp;</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">Stockholders&#8217; equity. </FONT>Stockholders&#8217; equity increased $413,000, or 0.7%, to $55.9 million at March 31, 2013 from $55.4 million at December 31, 2012. This increase was the result of increases in retained earnings and common stock of $1.1 million, or 5.1%, and $402,000, or 1.2%, respectively. The increase in common stock was the result of issuing 23,051 shares at a weighted average price of $22.25 since December 31, 2012.&nbsp;&nbsp;A partial offset resulted from a reduction in accumulated other comprehensive income of $1.1 million, or 20.9%, as a result of available for sale securities market valuation adjustments.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">RESULTS OF OPERATIONS</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">General.&nbsp;&nbsp;&nbsp;</FONT>Net income for the three months ended March 31, 2013, was $1.7 million, a $134,000, or 8.8% increase from the $1.5 million earned during the same period in 2012.&nbsp;&nbsp;Diluted earnings per share for the first quarter of 2013 was $0.82 compared to $0.86 for the same period in 2012.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company&#8217;s annualized return on average assets (ROA) and return on average equity (ROE) for the first quarter were 1.01% and 12.18%, respectively, compared with 0.94% and 12.81% for the first quarter of 2012.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company&#8217;s year-to-date earnings were positively impacted by decreases in the provision for loan losses and deposit interest expense along with an increase in noninterest income. This was partially offset by an increase in noninterest expense coupled with a decrease in investment interest income.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">Net interest income. </FONT>Net interest income, the primary source of revenue for the Company, is determined by the Company&#8217;s interest rate spread, which is defined as the difference between income on earning assets and the cost of funds supporting those assets, and the relative amounts of interest-earning assets and interest-bearing liabilities. Management periodically adjusts the mix of assets and liabilities, as well as the rates earned or paid on those assets and liabilities in order to manage and improve net interest income. The level of interest rates and changes in the amount and composition of interest-earning assets and liabilities affect the Company&#8217;s net interest income. Historically from an interest rate risk perspective, it has been management&#8217;s goal to maintain a balance between steady net interest income growth and the risks associated with interest rate fluctuations.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Net interest income for the three-months ended March 31, 2013 totaled $5.6&nbsp;million, an increase of 0.7% from the $5.5&nbsp;million reported for the comparable period of 2012. The net interest margin was 3.92% for the first quarter of 2013, up from the 3.89% reported for the same quarter of 2012.&nbsp;The increase is primarily attributable to lower interest-bearing liability costs, which decreased 17 basis points to 1.09%. Deposit growth at the Banks has primarily been non-maturing products which generally carry lower interest costs than other deposit alternatives.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">Interest income.&nbsp;&nbsp;</FONT>Interest income decreased $218,000, or 3.0%, for the three months ended March 31, 2013, compared to the same period in the prior year.&nbsp;This can be attributed to a decrease in interest earned on taxable investment securities of $241,000.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Interest earned on loans receivable increased $35,000, or 0.6%, for the three months ended March 31, 2013, compared to the same period in the prior year. This increase was attributable to a $6.2 million, or 1.54%, increase in the average balance of loans receivable from March 31, 2012.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Interest earned on securities decreased $255,000, or 15.3%, for the three months ended March 31, 2013, compared to the same period in the prior year. This was the result of an increase in the average balance of the securities portfolio of $1.2 million, or 0.6%, to $190.5 million at March 31, 2013 from $189.3 million for the same period in the prior year. Interest income on investment securities was adversely affected by a decrease in the portfolio yield.&nbsp;&nbsp;The total investment securities portfolio yield of 3.80% for the three months ended March 31, 2013 decreased by 55 basis points from 4.35% for the same period in the prior year.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">29</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&nbsp;</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">Interest expense. </FONT>Interest expense decreased $257,000, or 15.2%, for the three months ended March 31, 2013, compared to the same period in the prior year. This can be mostly attributed to a decrease in interest incurred on deposits of $200,000.&nbsp;&nbsp;The reduction was exacerbated by the reduction of the rate paid on interest-bearing liabilities of 17 basis points when compared to the three-months ended March 31, 2012.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Interest incurred on deposits, the largest component of the Company&#8217;s interest-bearing liabilities, declined $200,000, or 13.4%, for the three months ended March 31, 2013, compared to the same period in the prior year. This decrease was attributed to a decline in average rate paid on deposits of 1.03% for the three months ended March 31, 2013 from 1.17% for the same period in the prior year.&nbsp;&nbsp;&nbsp;This improvement was exacerbated by a decrease in the average balance of interest-bearing deposits of $2.0 million, or 0.4%, to $513.4 million for the three months ended March 31, 2013, when compared to $515.4 million for the same period in the prior year.&nbsp;&nbsp;This increase is reflected in the quarterly rate volume report presented below depicting the cost decrease associated with interest-bearing liabilities.&nbsp;&nbsp;The Company diligently monitors the interest rates on its products as well as the rates being offered by its competition and utilizing rate surveys to minimize total interest expense.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Interest incurred on borrowing declined $57,000, or 30.2%, for the three months ended March 31, 2013, compared to the same period in the prior year.&nbsp;&nbsp;This decrease is attributed to declines in FHLB loan expense and trust preferred expense of $38,000, or 45.5%, and $12,000, or 25.7%, respectively.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">Provision for loan losses. </FONT>The provision for loan losses represents the charge to income necessary to adjust the allowance for loan losses to an amount that represents management&#8217;s assessment of the estimated probable incurred credit losses inherent in the loan portfolio. Each quarter management performs a review of estimated probable incurred credit losses in the loan portfolio. Based on this review, a provision for loan losses&nbsp;of $313,000 was recorded for the quarter ended March 31, 2013 compared to $600,000 for the quarter ended March 31, 2012. The provision for loan losses was lower for the current quarter due to decreases in nonperforming loans. Nonperforming loans were $13.9 million, or 3.41% of total loans at March 31, 2013 compared with $17.7 million, or 4.37% at March 31, 2012. Net charge-offs were $360,000 for the quarter ended March 31, 2013 compared with $152,000 for the quarter ended March 31, 2012. Total loans were $407.0 million at March 31, 2013 compared with $401.9 million at March 31, 2012.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">Noninterest income. </FONT>Noninterest income increased $74,000 for the year-ended March 31, 2013 over the comparable 2012 period.&nbsp;&nbsp;This increase was largely the result of net investment security gains of $185,000, partially offset by decreases in gain on sale of loans and other income of $85,000 and $42,000, respectively.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">Noninterest expense. </FONT>Noninterest expense of $4.0 million for the first quarter of 2013 was 5.8%, or $219,000 higher than the first quarter of 2012.&nbsp;&nbsp;Salaries and employee benefits, other real estate expense, and advertising expense increased $121,000, $96,000, and $92,000, respectively, year over year.&nbsp;&nbsp;The growth in salary-related expenses is commensurate with the continued growth of the Company.&nbsp;&nbsp;This growth was partially offset by a reduction in other expense of $107,000, or 13.7%, as well as a decline in FDIC assessments of 36.6%, from $243,000 to $154,000 at March 31, 2013 and 2012, respectively.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">Provision for income taxes. </FONT>The Company recognized $482,000 in income tax expense, which reflected an effective tax rate of 22.5% for the three months ended March 31, 2013, as compared to $435,000 with an effective tax rate of 22.2% for the respective 2012 period.&nbsp;&nbsp;The increase in the tax provision can be attributed to an increase in income before taxes of $181,000 or 9.2% when compared to the same quarter in the prior year.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">CRITICAL ACCOUNTING ESTIMATES</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company&#8217;s critical accounting estimates involving the more significant judgments and assumptions used in the preparation of the consolidated financial statements as of March 31, 2013, have remained unchanged from December 31, 2012.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">30</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&nbsp;</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">Average Balance Sheet and Yield/Rate Analysis. </FONT>The following table sets forth, for the periods indicated, information concerning the total dollar amounts of interest income from interest-earning assets and the resultant average yields, the total dollar amounts of interest expense on interest-bearing liabilities and the resultant average costs, net interest income, interest rate spread and the net interest margin earned on average interest-earning assets. For purposes of this table, average balances are calculated using monthly averages and the average loan balances include nonaccrual loans and exclude the allowance for loan losses, and interest income includes accretion of net deferred loan fees. Interest and yields on tax-exempt securities (tax-exempt for federal income tax purposes) are shown on a fully tax-equivalent basis utilizing a federal tax rate of 34%. Yields and rates have been calculated on an annualized basis utilizing monthly interest amounts.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="90%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="70%" colSpan=22>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">For the Three Months Ended March 31,</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" vAlign=bottom width="10%" colSpan=10>&nbsp; <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2013</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" vAlign=bottom width="10%" colSpan=10>&nbsp; <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2012</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(Dollars in thousands)</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Average</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Balance</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Average</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Yield/Cost</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Average</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Balance</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Average</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Yield/Cost</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR>
<TD vAlign=bottom width="28%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="10%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="10%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="10%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="10%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="10%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="10%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest-earning assets:</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="10%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="10%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="10%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="10%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="10%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="10%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Loans receivable</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">407,236</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,572</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.55</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">401,047</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,537</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.55</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investment securities (3)</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">190,457</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,407</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.80</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">189,280</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,662</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.35</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest-bearing deposits with other banks</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,642</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">35</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.76</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">23,049</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">33</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.58</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total interest-earning assets</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">616,335</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,014</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.86</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">613,376</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,232</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.99</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Noninterest-earning assets</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">47,713</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">39,916</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total assets</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">664,048</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">653,292</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest-bearing liabilities:</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest - bearing demand deposits</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">63,647</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">58</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.37</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">57,976</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">60</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.42</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Money market deposits</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">78,659</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">81</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.42</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">72,390</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">74</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.41</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Savings deposits</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">177,649</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">158</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.36</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">168,575</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">166</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.40</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Certificates of deposit</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">193,476</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,000</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.10</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">216,503</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,197</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.22</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Borrowings</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,839</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">132</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.84</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">24,107</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">189</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.15</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total interest-bearing liabilities</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">532,270</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,429</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.09</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">539,551</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,686</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.26</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Noninterest-bearing liabilities</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other liabilities</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">76,600</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.23</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">65,926</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.28</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Stockholders' equity</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">55,178</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">47,815</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total liabilities and stockholders' equity</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">664,048</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">653,292</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net interest income</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,585</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,546</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest rate spread (1)</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.78</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.74</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net yield on interest-earning assets (2)</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.92</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.89</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Ratio of average interest-earning assets to <FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">average interest-bearing liabilities</FONT></FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">115.79</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">113.68</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR></TABLE></DIV>
<DIV >
<DIV style="TEXT-ALIGN: center" >
<HR style="COLOR: black" noShade width="20%" align="left" SIZE="1">
</DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1) Interest rate spread represents the difference between the average yield on interest-earning assets and the average cost of&nbsp;<FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">interest-bearing liabilities</FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(2) Net interest margin represents net interest income as a percentage of average interest-earning assets.</FONT></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(3) Tax equivalent adjustments to interest income for tax-exempt securities was $378 and $385 for 2013 and 2012, respectively.</FONT></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">Analysis of Changes in Net Interest Income. </FONT>The following table analyzes the changes in interest income and interest expense, between the three month periods ended March 31, 2013 and 2012, in terms of: (1) changes in volume of interest-earning assets and interest-bearing liabilities and (2) changes in yields and rates. The table reflects the extent to which changes in the Company&#8217;s interest income and interest expense are attributable to changes in rate (change in rate multiplied by prior period volume), changes in volume (changes in volume multiplied by prior period rate) and changes attributable to the combined impact of volume/rate (change in rate multiplied by change in volume). The changes attributable to the combined impact of volume/rate are allocated on a consistent basis between the volume and rate variances. Changes in interest income on securities reflects the changes in interest income on a fully tax-equivalent basis</FONT><BR></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">31</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV >&nbsp;</DIV>
<DIV >
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="90%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="55%">&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="28%" colSpan=10>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">For the Three Months ended March 31,</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2013 versus 2012</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR>
<TD vAlign=bottom width="55%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR>
<TD vAlign=bottom width="55%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="28%" colSpan=10>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Increase (decrease) due to</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="55%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(Dollars in thousands)</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Volume</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Rate</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR>
<TD vAlign=bottom width="55%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="55%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest-earning assets:</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD vAlign=bottom width="13%" colSpan=2>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="55%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Loans receivable</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">85</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(50</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">35</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="55%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investment securities</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(268</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(255</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="55%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest-bearing deposits with other banks</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(6</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="55%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total interest-earning assets</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">91</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(309</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(218</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="55%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="55%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="55%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest-bearing liabilities:</FONT></DIV></TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="55%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest - bearing demand deposits</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(8</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(2</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="55%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Money market deposits</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="55%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Savings deposits</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(17</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(8</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="55%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Certificates of deposit</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(126</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(71</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(197</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="55%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Borrowings</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(41</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(16</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(57</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="55%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total interest-bearing liabilities</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(146</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(111</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(257</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="55%">&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%">&nbsp;</TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%">&nbsp;</TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="55%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net interest income</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">237</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(198</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</FONT></TD>
<TD style="PADDING-BOTTOM: 4px" vAlign=bottom width="1%" align=right>&nbsp;</TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">39</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px" vAlign=bottom width="1%" noWrap>&nbsp;</TD></TR></TABLE></DIV></DIV>
<DIV >&nbsp;</DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">LIQUIDITY</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Management's objective in managing liquidity is maintaining the ability to continue meeting the cash flow needs of its customers, such as borrowings or deposit withdrawals, as well as its own financial commitments. The principal sources of liquidity are net income, loan payments, maturing and principal reductions on securities and sales of securities available for sale, federal funds sold and cash and deposits with banks. Along with its liquid assets, the Company has additional sources of liquidity available to ensure that adequate funds are available as needed. These include, but are not limited to, the purchase of federal funds, and the ability to borrow funds under line of credit agreements with correspondent banks and a borrowing agreement with the Federal Home Loan Bank of Cincinnati, Ohio and the adjustment of interest rates to obtain depositors. Management believes the Company has the capital adequacy, profitability and reputation to meet the current and projected needs of its customers.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">For the three months ended March 31, 2013, the adjustments to reconcile net income to net cash from operating activities consisted mainly of depreciation and amortization of premises and equipment, the provision for loan losses, net amortization of securities and net changes in other assets and liabilities. For a more detailed illustration of sources and uses of cash, refer to the condensed consolidated statements of cash flows.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">INFLATION</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Substantially all of the Company's assets and liabilities relate to banking activities and are monetary in nature. The consolidated financial statements and related financial data are presented in accordance with U.S. Generally Accepted Accounting Principles (&#8220;GAAP&#8221;). GAAP currently requires the Company to measure the financial position and results of operations in terms of historical dollars, with the exception of securities available for sale, impaired loans and other real estate loans that are measured at fair value. Changes in the value of money due to rising inflation can cause purchasing power loss.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">32</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&nbsp;</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Management's opinion is that movements in interest rates affect the financial condition and results of operations to a greater degree than changes in the rate of inflation. It should be noted that interest rates and inflation do affect each other, but do not always move in correlation with each other. The Company's ability to match the interest sensitivity of its financial assets to the interest sensitivity of its liabilities in its asset/liability management may tend to minimize the effect of changes in interest rates on the Company's performance.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">REGULATORY MATTERS</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company is subject to the regulatory requirements of The Federal Reserve System as a multi-bank holding company. The affiliate banks are subject to regulations of the Federal Deposit Insurance Corporation (&#8220;FDIC&#8221;) and the State of Ohio, Division of Financial Institutions.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Federal Reserve Board and the FDIC have extensive authority to prevent and to remedy unsafe and unsound practices and violations of applicable laws and regulations by institutions and holding companies. The agencies may assess civil money penalties, issue cease-and-desist or removal orders, seek injunctions, and publicly disclose those actions. In addition, the Ohio Division of Financial Institutions possesses enforcement powers to address violations of Ohio banking law by Ohio-chartered banks.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&nbsp;</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In February of 2011, Emerald Bank agreed with the FDIC and the Ohio Division of Financial Institutions that Emerald Bank will take specified actions to correct weaknesses in the bank&#8217;s condition and operations.&nbsp;&nbsp;The actions that Emerald Bank agreed to take include reducing the bank&#8217;s concentration of credit in non-owner occupied 1 - 4 family residential mortgage loans, reducing delinquent and classified loans, enhancing credit administration for non-owner occupied residential real estate, developing plans for the reduction of borrower indebtedness on classified and delinquent credits, implementing an earnings improvement plan, maintaining leverage capital of at least 9%, revising the bank&#8217;s methodology for calculating and determining the adequacy of the allowance for loan losses, and providing to the FDIC and the ODFI notice of proposed dividend payments at least 30 days in advance.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table sets forth the capital requirements for EB under the FDIC regulations and EB&#8217;s capital ratios:</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="90%">

<TR>
<TD style="TEXT-ALIGN: center; TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" vAlign=bottom width="86%" colSpan=16>
<DIV style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">FDIC Regulations</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>&nbsp;</DIV></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="11%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="35%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Capital Ratio</FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="11%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Adequately </FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Capitalized</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="11%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Well </FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Capitalized</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="11%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">March 31,&nbsp;</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2013</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="11%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">December 31, </FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2012</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="11%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">March 31,</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2012</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=bottom width="35%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="11%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="11%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="11%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="11%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="11%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="35%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Tier I Leverage Capital</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="10%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.00 </FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="10%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.00 </FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1)&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="10%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.86 </FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="10%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.61 </FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="10%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9.77</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="35%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Risk-Based Capital:</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="10%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="10%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="10%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="10%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="10%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="35%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Tier I</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="10%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="10%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="10%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14.51</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="10%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14.16</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="10%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13.57</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" vAlign=bottom width="35%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="10%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="10%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="10%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">15.80</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="10%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">15.45</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="10%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14.85</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR></TABLE></DIV>
<DIV >&nbsp;</DIV>
<DIV style="TEXT-INDENT: 45pt" ><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1) EB has agreed to maintain leverage capital of at least 9%</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">REGULATORY CAPITAL REQUIREMENTS</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company is subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy guidelines and prompt corrective action regulations involve quantitative measures of assets, liabilities and certain off-balance sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators about components, risk weightings and other factors and the regulators can lower classifications in certain cases. Failure to meet various capital requirements can initiate regulatory action that could have a direct material effect on the company's operations.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The prompt corrective action regulations provide five classifications, including well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized and critically undercapitalized, although these terms are not used to represent overall financial condition. If adequately capitalized, regulatory approval is required to accept brokered deposits. If undercapitalized, capital distributions are limited, as is asset growth and expansion and plans for capital restoration are required.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">33</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&nbsp;</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following tables illustrates the Company's and Banks&#8217; capital ratios:</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>
<DIV  align=left>
<DIV  align=left>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="100%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="22%" colSpan=6>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Middlefield Banc Corp.</FONT></FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">March 31,</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2013</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="22%" colSpan=6>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">The Middlefield Banking Co.</FONT></FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">March 31,</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2013</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="22%" colSpan=6>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Emerald Bank</FONT></FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">March 31,</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2013</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amount</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Ratio</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amount</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Ratio</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amount</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Ratio</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total Capital</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-DECORATION: underline"><FONT size=+0>(to Risk-weighted Assets)</FONT></FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="10%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Actual</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">59,454</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14.11 </FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">49,162</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13.47 </FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,620</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">15.80 </FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">For Capital Adequacy Purposes</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">33,703</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">29,187</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,365</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">To Be Well Capitalized</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">42,129</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">36,484</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,457</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Tier I Capital</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-DECORATION: underline"><FONT size=+0>(to Risk-weighted Assets)</FONT></FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Actual</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">54,157</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12.86 </FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">44,590</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12.22 </FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,919</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14.51 </FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">For Capital Adequacy Purposes</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">16,852</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14,594</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,183</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">To Be Well Capitalized</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">25,277</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">21,891</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,274</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Tier I Capital</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-DECORATION: underline"><FONT size=+0>(to Average Assets)</FONT></FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Actual</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">54,157</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8.22 </FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">44,590</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7.64 </FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,919</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.86 </FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">For Capital Adequacy Purposes</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">26,345</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">23,331</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,917</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">To Be Well Capitalized</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">32,931</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">29,163</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,646</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
<DIV >&nbsp;</DIV>
<DIV  align=left>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="100%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%" colSpan=5>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Middlefield Banc Corp.</FONT></FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">December 31,</FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2012</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%" colSpan=5>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">The Middlefield Banking Co.</FONT></FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">December 31,</FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2012</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" vAlign=bottom width="9%" colSpan=5>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Emerald Bank</FONT></FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">December 31,</FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2012</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amount</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Ratio</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amount</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Ratio</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amount</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="10%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Ratio</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total Capital</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-DECORATION: underline"><FONT size=+0>(to Risk-weighted Assets)</FONT></FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Actual</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">57,784</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13.86 </FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">47,887</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13.29 </FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,440</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">15.45 </FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">For Capital Adequacy Purposes</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">33,344</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">28,822</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,370</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">To Be Well Capitalized</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">41,680</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">36,027</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,463</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Tier I Capital</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-DECORATION: underline"><FONT size=+0>(to Risk-weighted Assets)</FONT></FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Actual</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">52,543</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12.61 </FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">43,371</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12.04 </FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,737</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14.16 </FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">For Capital Adequacy Purposes</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">16,672</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14,411</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,185</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">To Be Well Capitalized</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">25,008</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">21,616</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,278</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Tier I Capital</FONT></DIV></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-DECORATION: underline"><FONT size=+0>(to Average Assets)</FONT></FONT></DIV></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="28%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Actual</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">52,543</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7.88 </FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">43,371</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7.32 </FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,737</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.61 </FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">For Capital Adequacy Purposes</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">26,675</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">23,684</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,916</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="28%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">To Be Well Capitalized</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">33,344</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">29,605</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,646</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.00</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">34</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Supplementing these capital requirements of applicable banking regulations, Emerald Bank has agreed with the FDIC and the Ohio Division of Financial Institutions to maintain tier 1 leverage capital of at least 9%, The Middlefield Banking Company committed to the FDIC that The Middlefield Banking Company will maintain capital ratios at levels no lower than its June 30, 2010 ratios (i.e., no lower than 6.25% tier 1 leverage capital and 11.29% total risk-based capital), and Middlefield Banc Corp. committed to the Federal Reserve that Middlefield Banc Corp. will maintain tier 1 leverage capital of at least 7.25% and total risk-based capital of at least 12%, both at the level of the holding company and at the level of The Middlefield Banking Company, the lead bank.&nbsp;&nbsp;We expect that these elevated minimum capital levels will apply for the foreseeable future, while the banks and the holding company continue their efforts to manage more serious asset quality challenges than they have been accustomed to, while also managing the impact of those challenges on earnings and the strains that general economic downturns in the banks&#8217; markets and across the region and nation are placing not only on Emerald Bank and The Middlefield Banking Company but on all local banks.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Item 3. Quantitative and Qualitative Disclosures about Market Risk</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">ASSET AND LIABILITY MANAGEMENT</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The primary objective of the Company&#8217;s asset and liability management function is to maximize the Company&#8217;s net interest income while simultaneously maintaining an acceptable level of interest rate risk given the Company&#8217;s operating environment, capital and liquidity requirements, performance objectives and overall business focus. The principal determinant of the exposure of the Company&#8217;s earnings to interest rate risk is the timing difference between the repricing and maturity of interest-earning assets and the repricing or maturity of its interest-bearing liabilities. The Company&#8217;s asset and liability management policies are designed to decrease interest rate sensitivity primarily by shortening the maturities of interest-earning assets while at the same time extending the maturities of interest-bearing liabilities. The Board of Directors of the Company continues to believe in strong asset/liability management in order to insulate the Company from material losses as a result of prolonged increases in interest rates. As a result of this policy, the Company emphasizes a larger, more diversified portfolio of residential mortgage loans in the form of mortgage-backed securities. Mortgage-backed securities generally increase the quality of the Company&#8217;s assets by virtue of the insurance or guarantees that back them, are more liquid than individual mortgage loans and may be used to collateralize borrowings or other obligations of the Company.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">MB&#8217;s Board of Directors have established an Asset and Liability Management Committee consisting of four outside directors, the President and Chief Executive Officer, Executive/Vice President/ Chief Operating Officer, Senior Vice President/Chief Financial Officer and Senior Vice President/Commercial Lending. This committee, which meets quarterly, generally monitors various asset and liability management policies and strategies, which were implemented by the Company over the past few years. These strategies have included: (i) an emphasis on the investment in adjustable-rate and shorter duration mortgage-backed securities; (ii) an emphasis on the origination of single-family residential adjustable-rate mortgages (ARMs), residential construction loans and commercial real estate loans, which generally have adjustable or floating interest rates and/or shorter maturities than traditional single-family residential loans, and consumer loans, which generally have shorter terms and higher interest rates than mortgage loans; (iii) increase the duration of the liability base of the Company by extending the maturities of savings deposits, borrowed funds and repurchase agreements.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">MB and EB have established the following guidelines for assessing interest rate risk:</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">Net interest income simulation. </FONT>Given a 200 basis point parallel and gradual increase or decrease in market interest rates, net interest income may not change by more than 10% for a one-year period.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="FONT-WEIGHT: bold">Portfolio equity simulation. </FONT>Portfolio equity is the net present value of the Company&#8217;s existing assets and liabilities. Given a 200 basis point&nbsp;immediate and permanent increase or decrease in market interest rates, portfolio equity may not correspondingly decrease or increase by more than 20% of stockholders&#8217; equity.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">35</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&nbsp;</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table presents the simulated impact of a 200 basis point upward and a 200 basis point downward shift of market interest rates on net interest income and the change in portfolio equity. This analysis was done assuming that the interest-earning asset and interest-bearing liability levels at March 31, 2013 remained constant. The impact of the market rate movements was developed by simulating the effects of rates changing gradually over a one-year period from the March 31, 2012 levels for net interest income. The impact of market rate movements was developed by simulating the effects of an immediate and permanent change in rates at March 31, 2013 for portfolio equity:</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >
<DIV  align=center>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="80%">

<TR>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="70%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Increase</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">200 Basis Points</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="PADDING-BOTTOM: 2px" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=bottom width="13%" colSpan=2>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Decrease</FONT></FONT></DIV><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">200 Basis Points</FONT></DIV></TD>
<TD style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=bottom width="70%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="13%" colSpan=2><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net interest income - increase (decrease)</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.23 </FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.68 </FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</FONT></TD></TR>
<TR bgColor=white>
<TD vAlign=bottom width="70%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR bgColor=#c0ffff>
<TD vAlign=bottom width="70%" align=left>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Portfolio equity - increase (decrease)</FONT></DIV></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(16.18</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">) &nbsp;%</FONT></TD>
<TD vAlign=bottom width="1%" align=right><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD style="TEXT-ALIGN: right" vAlign=bottom width="12%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(7.62</FONT></TD>
<TD style="TEXT-ALIGN: left" vAlign=bottom width="1%" noWrap><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">) &nbsp;%</FONT></TD></TR></TABLE></DIV><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Item 4. Controls and Procedures</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="TEXT-DECORATION: underline">Controls and Procedures Disclosure</FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company maintains disclosure controls and procedures that are designed to ensure that information required to be disclosed in the Corporation&#8217;s reports that it files or submits under the Securities Exchange Act of 1934 is recorded, processed, summarized and reported within the time periods specified in the Securities and Exchange Commission&#8217;s rules and forms, and that such information is accumulated and communicated to the Company&#8217;s management, including its Chief Executive Officer and Chief Financial Officer, as appropriate to allow timely decisions regarding required disclosure.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">As of the end of the period covered by this quarterly report, an evaluation was carried out under the supervision and with the participation of management, including our Chief Executive Officer and Chief Financial Officer, of the effectiveness of our disclosure controls and procedures (as defined in Exchange Act Rules&nbsp;13a-14(e) and 15d-14(e) under the Securities Exchange Act of 1934). Based on their evaluation, our Chief Executive Officer and Chief Financial Officer have concluded that the Company&#8217;s disclosure controls and procedures are, to the best of their knowledge, effective to ensure that information required to be disclosed by the Corporation in reports that it files or submits under the Exchange Act is recorded, processed, summarized and reported within the time periods specified in Securities and Exchange Commission rules and forms. Subsequent to the date of their evaluation, our Chief Executive Officer and Chief Financial Officer have concluded that there were no significant changes in internal control or in other factors that could significantly affect the Company&#8217;s internal controls, including any corrective actions with regard to significant deficiencies and material weaknesses.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">A material weakness is a significant deficiency (as defined in Public Company Accounting Oversight Board Auditing Standard No.&nbsp;2), or a combination of significant deficiencies, that results in there being more than a remote likelihood that a material misstatement of the annual or interim financial statements will not be prevented or detected on a timely basis by management or employees in the normal course of performing their assigned functions.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><FONT style="TEXT-DECORATION: underline">Changes in Internal Control over Financial Reporting</FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">There have not been any changes in the Company&#8217;s internal control over financial reporting (as defined in Exchange Act Rules&nbsp;13a-15(f) and 15d-15(f)) that occurred during the Company&#8217;s most recent fiscal quarter that have materially affected, or are reasonably likely to materially affect, the Company&#8217;s internal control over financial reporting.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">36</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">PART II - OTHER INFORMATION</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><A  class=" FCK__AnchorC" name="node9"></A>Item 1.&nbsp;&nbsp;&nbsp;&nbsp;Legal Proceedings</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">None</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Item 1a.&nbsp;&nbsp;There are no material changes to the risk factors set forth in Part I, Item 1A, &#8220;Risk Factors,&#8221; of the Company&#8217;s Annual Report on Form 10-K for the year ended December&nbsp;31, 2012.&nbsp;&nbsp;Please refer to that section for disclosures regarding the risks and uncertainties related to the Company&#8217;s business.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV >
<DIV style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Item 2.&nbsp;&nbsp;&nbsp;Unregistered Sales of Equity Securities and Use of Proceeds</FONT></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">None</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><A  class=" FCK__AnchorC" name="node11"></A>Item 3.&nbsp;&nbsp;&nbsp;&nbsp;Defaults by the Company on its senior securities</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">None<A  class=" FCK__AnchorC" name="node12"></A></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Item 4.&nbsp;&nbsp;&nbsp;&nbsp;Mine Safety Disclosures</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Item 5.&nbsp;&nbsp;&nbsp;&nbsp;Other information</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">None</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Item 6.&nbsp;&nbsp;&nbsp;&nbsp;Exhibits</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">37</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><FONT style="TEXT-DECORATION: underline">Exhibit list for Middlefield Banc Corp.&#8217;s Form 10-Q Quarterly Report for the Period Ended March 31, 2013</FONT></FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV >
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="100%">

<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.1</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Second Amended and Restated Articles of Incorporation of Middlefield Banc Corp., as amended</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 3.1 of Middlefield Banc Corp.&#8217;s Annual Report on Form 10-K for the Fiscal Year Ended December 31, 2005, filed on March 29, 2006</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.2</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Regulations of Middlefield Banc Corp.</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 3.2 of Middlefield Banc Corp.&#8217;s registration statement on Form 10 filed on April 17, 2001</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.0</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Specimen stock certificate</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 4 of Middlefield Banc Corp.&#8217;s registration statement on Form 10 filed on April 17, 2001</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.1</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amended and Restated Trust Agreement, dated as of December 21, 2006, between Middlefield Banc Corp., as Depositor, Wilmington Trust Company, as Property trustee, Wilmington Trust Company, as Delaware Trustee, and Administrative Trustees</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 4.1 of Middlefield Banc Corp.&#8217;s Form 8-K Current Report filed on December 27, 2006</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.2</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Junior Subordinated Indenture, dated as of December 21, 2006, between Middlefield Banc Corp. and Wilmington Trust Company</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 4.2 of Middlefield Banc Corp.&#8217;s Form 8-K Current Report filed on December 27, 2006</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.3</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Guarantee Agreement, dated as of December 21, 2006, between Middlefield Banc Corp. and Wilmington Trust Company</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 4.3 of Middlefield Banc Corp.&#8217;s Form 8-K Current Report filed on December 27, 2006</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.1.0*</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1999 Stock Option Plan of Middlefield Banc Corp.</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.1 of Middlefield Banc Corp.&#8217;s registration statement on Form 10 filed on April 17, 2001</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.1.1*</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2007 Omnibus Equity Plan</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Middlefield Banc Corp.&#8217;s definitive proxy statement for the 2008 Annual Meeting of Shareholders, Appendix A, filed on April 7, 2008</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.2*</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Severance Agreement between Middlefield Banc Corp. and Thomas G. Caldwell, dated January 7, 2008</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.2 of Middlefield Banc Corp.&#8217;s Form 8-K Current Report filed on January 9, 2008</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.3*</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Severance Agreement between Middlefield Banc Corp. and James R. Heslop, II, dated January 7, 2008</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.3 of Middlefield Banc Corp.&#8217;s Form 8-K Current Report filed on January 9, 2008</FONT></DIV></TD></TR></TABLE>
<DIV >&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">38</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV >&nbsp;</DIV>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="100%">

<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.4.0*</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Severance Agreement between Middlefield Banc Corp. and Jay P. Giles, dated January 7, 2008</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.4 of Middlefield Banc Corp.&#8217;s Form 8-K Current Report filed on January 9, 2008</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.4.1*</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Severance Agreement between Middlefield Banc Corp. and Teresa M. Hetrick, dated January 7, 2008</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.4.1 of Middlefield Banc Corp.&#8217;s Form 8-K Current Report filed on January 9, 2008</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.4.2</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">[reserved]</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.4.3*</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Severance Agreement between Middlefield Banc Corp. and Donald L. Stacy, dated January 7, 2008</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.4.3 of Middlefield Banc Corp.&#8217;s Form 8-K Current Report filed on January 9, 2008</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.4.4*</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Severance Agreement between Middlefield Banc Corp. and Alfred F. Thompson Jr., dated January 7, 2008</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.4.4 of Middlefield Banc Corp.&#8217;s Form 8-K Current Report filed on January 9, 2008</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.5</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Federal Home Loan Bank of Cincinnati Agreement for Advances and Security Agreement dated September 14, 2000</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.4 of Middlefield Banc Corp.&#8217;s registration statement on Form 10 filed on April 17, 2001</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.6*</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amended Director Retirement Agreement with Richard T. Coyne</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.6 of Middlefield Banc Corp.&#8217;s Form 8-K Current Report filed on January 9, 2008</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.7*</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amended Director Retirement Agreement with Frances H. Frank</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.7 of Middlefield Banc Corp.&#8217;s Form 8-K Current Report filed on January 9, 2008</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.8*</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amended Director Retirement Agreement with Thomas C. Halstead</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.8 of Middlefield Banc Corp.&#8217;s Form 8-K Current Report filed on January 9, 2008</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.9*</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Director Retirement Agreement with George F. Hasman</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.9 of Middlefield Banc Corp.&#8217;s Annual Report on Form 10-K for the Year Ended December 31, 2001, filed on March 28, 2002</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.10*</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Director Retirement Agreement with Donald D. Hunter</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.10 of Middlefield Banc Corp.&#8217;s Annual Report on Form 10-K for the Year Ended December 31, 2001, filed on March 28, 2002</FONT></DIV></TD></TR></TABLE>
<DIV >&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">39</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV >&nbsp;</DIV>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="100%">

<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.11*</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Director Retirement Agreement with Martin S. Paul</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.11 of Middlefield Banc Corp.&#8217;s Annual Report on Form 10-K for the Year Ended December 31, 2001, filed on March 28, 2002</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.12*</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amended Director Retirement Agreement with Donald E. Villers</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.12 of Middlefield Banc Corp.&#8217;s Form 8-K Current Report filed on January 9, 2008</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.13*</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Executive Survivor Income Agreement (aka DBO agreement [death benefit only]) with Donald L. Stacy</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.14 of Middlefield Banc Corp.&#8217;s Annual Report on Form 10-K for the Year Ended December 31, 2003, filed on March 30, 2004</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.14*</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">DBO Agreement with Jay P. Giles</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.15 of Middlefield Banc Corp.&#8217;s Annual Report on Form 10-K for the Year Ended December 31, 2003, filed on March 30, 2004</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.15*</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">DBO Agreement with Alfred F. Thompson Jr.</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.16 of Middlefield Banc Corp.&#8217;s Annual Report on Form 10-K for the Year Ended December 31, 2003, filed on March 30, 2004</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.16</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">[reserved]</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.17*</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">DBO Agreement with Theresa M. Hetrick</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.18 of Middlefield Banc Corp.&#8217;s Annual Report on Form 10-K for the Year Ended December 31, 2003, filed on March 30, 2004</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.18 *</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Executive Deferred Compensation Agreement with Jay P. Giles</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.18 of Middlefield Banc Corp.&#8217;s Annual Report on Form 10-K for the Year Ended December 31, 2011, filed on March 20, 2012</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.19*</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">DBO Agreement with James R. Heslop, II</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.20 of Middlefield Banc Corp.&#8217;s Annual Report on Form 10-K for the Year Ended December 31, 2003, filed on March 30, 2004</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.20*</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">DBO Agreement with Thomas G. Caldwell</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.21 of Middlefield Banc Corp.&#8217;s Annual Report on Form 10-K for the Year Ended December 31, 2003, filed on March 30, 2004</FONT></DIV></TD></TR></TABLE>
<DIV >&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">40</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV >&nbsp;</DIV>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="100%">

<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.21*</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Form of Indemnification Agreement with directors of Middlefield Banc Corp. and with executive officers of Middlefield Banc Corp. and The Middlefield Banking Company</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 99.1 of Middlefield Banc Corp.&#8217;s registration statement on Form 10, Amendment No. 1, filed on June 14, 2001</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.22*</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Annual Incentive Plan Summary</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.22 of Middlefield Banc Corp.&#8217;s Form 8-K Current Report filed on June 12, 2012</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.23*</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amended Executive Deferred Compensation Agreement with Thomas G. Caldwell</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.23 of Middlefield Banc Corp.&#8217;s Form 8-K Current Report filed on May 9, 2008</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.24*</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amended Executive Deferred Compensation Agreement with James R. Heslop, II</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.24 of Middlefield Banc Corp.&#8217;s Form 8-K Current Report filed on May 9, 2008</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.25*</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amended Executive Deferred Compensation Agreement with Donald L. Stacy</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.25 of Middlefield Banc Corp.&#8217;s Form 8-K Current Report filed on May 9, 2008</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.26*</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Stock Purchase Agreement dated August 15, 2011 between Bank Opportunity Fund LLC and Middlefield Banc Corp.</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.26 of Middlefield Banc Corp.&#8217;s Form 8-K Current Report filed on August 18, 2011</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.26.1</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amendment 1 of the Stock Purchase Agreement with Bank Opportunity Fund LLC (amendment dated September 29, 2011)</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.26.1 of Middlefield Banc Corp.&#8217;s Annual Report on Form 10-K for the Year Ended December 31, 2011, filed on March 20, 2012</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.26.2</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amendment 2 of the Stock Purchase Agreement with Bank Opportunity Fund LLC (amendment dated October 20, 2011)</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.26.2 of Middlefield Banc Corp.&#8217;s Annual Report on Form 10-K for the Year Ended December 31, 2011, filed on March 20, 2012</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.26.3</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amendment 3 of the Stock Purchase Agreement with Bank Opportunity Fund LLC (amendment dated November 28, 2011)</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.26.3 of Middlefield Banc Corp.&#8217;s Annual Report on Form 10-K for the Year Ended December 31, 2011, filed on March 20, 2012</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.26.4</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amendment 4 of the Stock Purchase Agreement with Bank Opportunity Fund LLC (amendment dated December 21, 2011)</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.26.4 of Middlefield Banc Corp.&#8217;s Annual Report on Form 10-K for the Year Ended December 31, 2011, filed on March 20, 2012</FONT></DIV></TD></TR></TABLE>
<DIV >&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">41</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV >&nbsp;</DIV>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="100%">

<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.26.5</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">March 21, 2012 letter agreement between Bank Opportunity Fund LLC and Middlefield Banc Corp.</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.26.5 of Middlefield Banc Corp.&#8217;s Form 8-K Current Report filed on March 27, 2012</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.26.6</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amendment 5 of the Stock Purchase Agreement with Bank Opportunity Fund LLC (amendment dated April 17, 2012)</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.26.6 of Middlefield Banc Corp.&#8217;s Form 8-K Current Report filed on April 23, 2012</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.26.7</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amendment 6 of the Stock Purchase Agreement with Bank Opportunity Fund LLC (amendment dated August 23, 2012)</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.26.7 of Middlefield Banc Corp.&#8217;s Form 8-K Current Report filed on August 24, 2012</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.27</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">[reserved]</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.28</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amended and Restated Purchaser&#8217;s Rights and Voting Agreement, dated April 17, 2012, among Bank Opportunity Fund LLC, Middlefield Banc Corp., and directors and officers of Middlefield Banc Corp..</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.28 of Middlefield Banc Corp.&#8217;s Form 8-K Current Report filed on April 23, 2012</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.28.1</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amendment of the Amended and Restated Purchaser&#8217;s Rights and Voting Agreement (amendment dated August 23, 2012)</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Incorporated by reference to Exhibit 10.28.1 of Middlefield Banc Corp.&#8217;s Form 8-K Current Report filed on August 24, 2012</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">31.1</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Rule 13a-14(a) certification of Chief Executive Officer</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">filed herewith</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">31.2</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Rule 13a-14(a) certification of Chief Financial Officer</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">filed herewith</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">32</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Rule 13a-14(b) certification</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">filed herewith</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -10.5pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">101.INS**</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">XBRL Instance</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">furnished herewith</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -15pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">101.SCH**</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">XBRL Taxonomy Extension Schema</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">furnished herewith</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -15pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">101.CAL**</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">XBRL Taxonomy Extension Calculation</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">furnished herewith</FONT></DIV></TD></TR></TABLE>
<DIV >&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">42</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
<DIV >&nbsp;</DIV>
<TABLE style="TEXT-INDENT: 0px; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"  cellSpacing=0 cellPadding=0 width="100%">

<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -6pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">101.DEF**</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">XBRL Taxonomy Extension Definition</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">furnished herewith</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -10.5pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">101.LAB**</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">XBRL Taxonomy Extension Labels</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">furnished herewith</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top width="9%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="40%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD>
<TD vAlign=top width="38%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp;</FONT></TD></TR>
<TR>
<TD vAlign=top width="9%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -10.5pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">101.PRE**</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="40%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">XBRL Taxonomy Extension Presentation</FONT></DIV></TD>
<TD vAlign=top width="2%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&nbsp; </FONT></TD>
<TD vAlign=top width="38%">
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">furnished herewith</FONT></DIV></TD></TR></TABLE></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" ><BR></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">* management contract or compensatory plan or arrangement</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">** XBRL information is furnished and not filed or a part of a registration statement or prospectus for purposes of sections 11 or 12 of the Securities Act of 1933, as amended, is deemed not filed for purposes of section 18 of the Securities Exchange Act of 1934, as amended, and otherwise is not subject to liability under these sections.</FONT></DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify>&nbsp;</DIV>
<DIV style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" id=PGBRK >
<DIV id=FTR >
<DIV style="WIDTH: 100%" id=GLFTR  align=left><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV>
<DIV style="PAGE-BREAK-AFTER: always; WIDTH: 100%" id=PN >
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" ><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">43</FONT></DIV>
<DIV style="TEXT-ALIGN: center; WIDTH: 100%" >
<HR style="COLOR: black" noShade SIZE="2">
</DIV></DIV>
<DIV id=HDR >
<DIV style="WIDTH: 100%" id=GLHDR  align=right><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&nbsp; </FONT></DIV></DIV></DIV>
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<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block" >&nbsp;</DIV>
<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=center><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">SIGNATURES</FONT></DIV>
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<DIV style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=justify><FONT style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Pursuant to the requirements of the Securities and Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned and hereunto duly authorized.</FONT></DIV>
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<TD vAlign=top width="38%" colSpan=2>MIDDLEFIELD BANC CORP.</TD>
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<DIV style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Date:&nbsp;&nbsp;<FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">December 13, 2013</FONT></FONT></DIV></TD>
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<DIV style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">By: </FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=top width="35%" noWrap align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">/s/ Thomas G. Caldwell</FONT></TD>
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<TD vAlign=bottom width="35%" noWrap align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Thomas G. Caldwell</FONT></FONT></TD>
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<TD vAlign=top width="35%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">President and Chief Executive Officer</FONT></FONT></TD>
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<DIV style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Date:&nbsp;&nbsp;<FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">December 13, 2013</FONT></FONT></DIV></TD>
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<DIV style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"  align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">By: </FONT></DIV></TD>
<TD style="BORDER-BOTTOM: black 2px solid" vAlign=top width="35%" noWrap align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">/s/ Donald L. Stacy</FONT></TD>
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<TD vAlign=bottom width="35%" noWrap align=left><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Donald L. Stacy</FONT></TD>
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<TD vAlign=top width="35%"><FONT style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Principal Financial and Accounting Officer</FONT></TD>
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<DIV >&nbsp;</DIV>
<DIV style="TEXT-ALIGN: center" >44</DIV></BODY></HTML>
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<DOCUMENT>
<TYPE>EX-31
<SEQUENCE>2
<FILENAME>ex31-1.htm
<DESCRIPTION>EXHIBIT 31.1
<TEXT>
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<P style="TEXT-ALIGN: right; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA1><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><I>Exhibit&nbsp;31.1</I></FONT></P>
<P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt" id=PARA2>&nbsp;</P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA3><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA4><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA5><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA6><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA7><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>Certification of Principal Executive Officer</B></FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA8><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>Pursuant to Section 302 of the Securities Exchange Act of 1934</B></FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA9><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA10><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">I, Thomas G. Caldwell, certify that:</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA11><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
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<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA12><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">1.&nbsp;</FONT></P></TD>
<TD style="WIDTH: 96.7%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA13><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">I have reviewed this quarterly report on Form 10-Q/A of Middlefield Banc Corp.;</FONT></P></TD></TR></TABLE>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA15><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
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<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA16><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">2.&nbsp;</FONT></P></TD>
<TD style="WIDTH: 96.5%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA17><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;</FONT></P></TD></TR></TABLE>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA19><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
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<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA20><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">3.&nbsp;</FONT></P></TD>
<TD style="WIDTH: 96.5%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA21><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;</FONT></P></TD></TR></TABLE>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA23><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
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<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA24><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">4.&nbsp;</FONT></P></TD>
<TD style="WIDTH: 96.5%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA25><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">The registrant&#8217;s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f))for the registrant and have:</FONT></P></TD></TR></TABLE>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA27><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0pt 0pt 36pt" id=PARA28><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">(a)&nbsp;Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA29><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0pt 0pt 36pt" id=PARA30><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">(b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA31><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0pt 0pt 36pt" id=PARA32><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">(c)&nbsp;Evaluated the effectiveness of the registrant&#8217;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA33><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0pt 0pt 36pt" id=PARA34><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">(d)&nbsp;Disclosed in this report any change in the registrant&#8217;s internal control over financial reporting that occurred during the registrant&#8217;s most recent fiscal quarter (the registrant&#8217;s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant&#8217;s internal control over financial reporting; and</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA35><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
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<TD style="WIDTH: 3.5%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA36><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">5.&nbsp;</FONT></P></TD>
<TD style="WIDTH: 96.5%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA37><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">The registrant&#8217;s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant&#8217;s auditors and the audit committee of the registrant&#8217;s board of directors (or persons performing the equivalent functions):</FONT></P></TD></TR></TABLE>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA39><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0pt 0pt 36pt" id=PARA40><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">(a)&nbsp;All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant&#8217;s ability to record, process, summarize and report financial information; and</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA41><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0pt 0pt 36pt" id=PARA42><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">(b)&nbsp;Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#8217;s internal control over financial reporting.</FONT></P>
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<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA43><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
<TD style="WIDTH: 10.5%; VERTICAL-ALIGN: bottom">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA44><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
<TD style="WIDTH: 52%; VERTICAL-ALIGN: bottom">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA45><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD></TR>
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<TD style="WIDTH: 37.5%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA46><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">Date: <FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">December 13, 2013</FONT></P></FONT></TD>
<TD style="WIDTH: 10.5%; VERTICAL-ALIGN: bottom">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA47><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
<TD style="WIDTH: 52%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 1.6pt 0pt 0pt" id=PARA48><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;/s/ Thomas G. Caldwell</FONT></P></TD></TR>
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<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA49><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
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<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA50><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
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<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA51><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD></TR>
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<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA52><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
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<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA53><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
<TD style="WIDTH: 52%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA54><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD></TR>
<TR>
<TD style="WIDTH: 37.5%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA55><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
<TD style="WIDTH: 10.5%; VERTICAL-ALIGN: bottom">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA56><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
<TD style="WIDTH: 52%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 1.6pt 0pt 0pt" id=PARA57><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">Thomas G. Caldwell</FONT></P></TD></TR>
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<TD style="WIDTH: 37.5%; VERTICAL-ALIGN: top">
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<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA59><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
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<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 1.6pt 0pt 0pt" id=PARA60><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">President and Chief Executive Officer</FONT></P></TD></TR></TABLE>
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<DOCUMENT>
<TYPE>EX-31
<SEQUENCE>3
<FILENAME>ex31-2.htm
<DESCRIPTION>EXHIBIT 31.2
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<P style="TEXT-ALIGN: right; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA1><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><I>Exhibit&nbsp;31.2</I></FONT></P>
<P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt" id=PARA2>&nbsp;</P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA3><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA4><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA5><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA6><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA7><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>Certification of Principal Executive Officer</B></FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA8><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>Pursuant to Section 302 of the Securities Exchange Act of 1934</B></FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA9><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA10><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">I, Donald L. Stacy, certify that:</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA11><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<TABLE style="TEXT-INDENT: 0px; WIDTH: 100%; FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt" id=TBL14  border=0 cellSpacing=0 cellPadding=0>

<TR>
<TD style="WIDTH: 3.3%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA12><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">1.&nbsp;</FONT></P></TD>
<TD style="WIDTH: 96.7%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA13><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">I have reviewed this quarterly report on Form 10-Q/A of Middlefield Banc Corp.;</FONT></P></TD></TR></TABLE>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA15><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
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<TR>
<TD style="WIDTH: 3.5%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA16><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">2.&nbsp;</FONT></P></TD>
<TD style="WIDTH: 96.5%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA17><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;</FONT></P></TD></TR></TABLE>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA19><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
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<TR>
<TD style="WIDTH: 3.5%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA20><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">3.&nbsp;</FONT></P></TD>
<TD style="WIDTH: 96.5%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA21><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;</FONT></P></TD></TR></TABLE>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA23><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
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<TR>
<TD style="WIDTH: 3.5%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA24><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">4.&nbsp;</FONT></P></TD>
<TD style="WIDTH: 96.5%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA25><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">The registrant&#8217;s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f))for the registrant and have:</FONT></P></TD></TR></TABLE>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA27><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0pt 0pt 36pt" id=PARA28><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">(a)&nbsp;Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA29><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0pt 0pt 36pt" id=PARA30><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">(b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA31><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0pt 0pt 36pt" id=PARA32><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">(c)&nbsp;Evaluated the effectiveness of the registrant&#8217;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA33><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0pt 0pt 36pt" id=PARA34><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">(d)&nbsp;Disclosed in this report any change in the registrant&#8217;s internal control over financial reporting that occurred during the registrant&#8217;s most recent fiscal quarter (the registrant&#8217;s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant&#8217;s internal control over financial reporting; and</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA35><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
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<TD style="WIDTH: 3.5%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA36><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">5.&nbsp;</FONT></P></TD>
<TD style="WIDTH: 96.5%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA37><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">The registrant&#8217;s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant&#8217;s auditors and the audit committee of the registrant&#8217;s board of directors (or persons performing the equivalent functions):</FONT></P></TD></TR></TABLE>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA39><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0pt 0pt 36pt" id=PARA40><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">(a)&nbsp;All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant&#8217;s ability to record, process, summarize and report financial information; and</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA41><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0pt 0pt 36pt" id=PARA42><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">(b)&nbsp;Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#8217;s internal control over financial reporting.</FONT></P>
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<TD style="WIDTH: 37.5%; VERTICAL-ALIGN: bottom">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA43><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
<TD style="WIDTH: 10.5%; VERTICAL-ALIGN: bottom">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA44><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
<TD style="WIDTH: 52%; VERTICAL-ALIGN: bottom">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA45><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD></TR>
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<TD style="WIDTH: 37.5%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA46><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">Date: <FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">December 13, 2013</FONT></P></FONT></TD>
<TD style="WIDTH: 10.5%; VERTICAL-ALIGN: bottom">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA47><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
<TD style="WIDTH: 52%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 1.6pt 0pt 0pt" id=PARA48><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;/s/ Donald L. Stacy</FONT></P></TD></TR>
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<TD style="WIDTH: 37.5%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA49><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
<TD style="WIDTH: 10.5%; VERTICAL-ALIGN: bottom">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA50><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
<TD style="WIDTH: 52%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA51><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD></TR>
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<TD style="WIDTH: 37.5%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA52><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
<TD style="WIDTH: 10.5%; VERTICAL-ALIGN: bottom">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA53><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
<TD style="WIDTH: 52%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA54><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD></TR>
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<TD style="WIDTH: 37.5%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA55><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
<TD style="WIDTH: 10.5%; VERTICAL-ALIGN: bottom">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA56><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
<TD style="WIDTH: 52%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 1.6pt 0pt 0pt" id=PARA57><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">Donald L. Stacy</FONT></P></TD></TR>
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<TD style="WIDTH: 37.5%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA58><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
<TD style="WIDTH: 10.5%; VERTICAL-ALIGN: bottom">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA59><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
<TD style="WIDTH: 52%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 1.6pt 0pt 0pt" id=PARA60><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">Principal Financial and Accounting Officer</FONT></P></TD></TR></TABLE>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA62><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
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<DOCUMENT>
<TYPE>EX-32
<SEQUENCE>4
<FILENAME>ex32.htm
<DESCRIPTION>EXHIBIT 32
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<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA1><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt" id=PARA2>&nbsp;</P>
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<P style="TEXT-ALIGN: right; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA4><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">Exhibit 32</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA5><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA6><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA7><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>CERTIFICATION PURSUANT TO</B></FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA8><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>18 U.S.C. SECTION 1350,</B></FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA9><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>AS ADOPTED PURSUANT TO</B></FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA10><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><B>SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002</B></FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA11><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA12><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA13><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">In connection with the Quarterly Report of Middlefield Banc Corp. (the &#8220;Company&#8221;) on Form 10-Q/A for the period ending March 31, 2013 as filed with the Securities and Exchange Commission on the date hereof (the &#8220;Report&#8221;), we, Thomas G. Caldwell, President, and Donald L. Stacy, Chief Financial Officer, certify, pursuant to 18 U.S.C. &#167; 1350, as adopted pursuant to &#167; 906 of the Sarbanes-Oxley Act of 2002, that:</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA14><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; TEXT-INDENT: 36pt; MARGIN: 0pt" id=PARA15><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Report fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934; and</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA16><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; TEXT-INDENT: 36pt; MARGIN: 0pt" id=PARA17><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA18><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA19><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<TABLE style="TEXT-INDENT: 0px; WIDTH: 100%; FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt" id=TBL40  border=0 cellSpacing=0 cellPadding=0>

<TR>
<TD style="WIDTH: 34.9%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA20><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
<TD style="WIDTH: 12.1%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA21><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
<TD style="WIDTH: 6.1%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA22><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
<TD style="WIDTH: 34.9%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA23><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
<TD style="WIDTH: 12.1%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA24><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD></TR>
<TR>
<TD style="WIDTH: 34.9%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA25><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><U>By: /s/ Thomas G. Caldwell</U></FONT></P></TD>
<TD style="WIDTH: 12.1%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA26><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
<TD style="WIDTH: 6.1%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA27><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
<TD style="WIDTH: 34.9%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA28><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt"><U>By: /s/ Donald L. Stacy</U></FONT></P></TD>
<TD style="WIDTH: 12.1%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA29><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD></TR>
<TR>
<TD style="WIDTH: 34.9%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA30><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">Thomas G. Caldwell&nbsp;&nbsp;</FONT></P></TD>
<TD style="WIDTH: 12.1%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA31><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
<TD style="WIDTH: 6.1%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA32><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
<TD style="WIDTH: 34.9%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA33><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">Donald L. Stacy</FONT></P></TD>
<TD style="WIDTH: 12.1%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA34><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD></TR>
<TR>
<TD style="WIDTH: 34.9%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA35><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">President and Chief Executive Officer</FONT></P></TD>
<TD style="WIDTH: 12.1%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA36><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
<TD style="WIDTH: 6.1%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA37><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD>
<TD style="WIDTH: 34.9%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA38><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">Principal Financial and Accounting Officer</FONT></P></TD>
<TD style="WIDTH: 12.1%; VERTICAL-ALIGN: top">
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt 0.8pt 0pt 0pt" id=PARA39><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></TD></TR></TABLE>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA41><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt" id=PARA87><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">December 13, 2013</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA42></FONT><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA44><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">A signed original of this written statement required by Section 906 has been provided to Middlefield Banc Corp. and will be retained by Middlefield Banc Corp. and furnished to the Securities and Exchange Commission or its staff upon request.</FONT></P>
<P style="TEXT-ALIGN: center; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA45><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P>
<P style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; MARGIN: 0pt" id=PARA46><FONT style="FONT-FAMILY: Times New Roman, Times, serif; FONT-SIZE: 10pt">&nbsp;</FONT></P></BODY></HTML>
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`
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
