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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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<SEC-DOCUMENT>0000946275-09-000387.txt : 20090423
<SEC-HEADER>0000946275-09-000387.hdr.sgml : 20090423
<ACCEPTANCE-DATETIME>20090423104207
ACCESSION NUMBER:		0000946275-09-000387
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20090423
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20090423
DATE AS OF CHANGE:		20090423

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NORWOOD FINANCIAL CORP
		CENTRAL INDEX KEY:			0001013272
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				232828306
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1207

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-28364
		FILM NUMBER:		09765478

	BUSINESS ADDRESS:	
		STREET 1:		717 MAIN ST
		STREET 2:		PO BOX 269
		CITY:			HONESDALE
		STATE:			PA
		ZIP:			18431
		BUSINESS PHONE:		7172531455
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>f8k_042309-0160.htm
<DESCRIPTION>FORM 8-K 4-23-09 NORWOOD FINANCIAL CORP.
<TEXT>
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            <p style="BORDER-TOP: 2.25pt double; MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; PADDING-TOP: 1px; TEXT-ALIGN: justify">&nbsp;</p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><b><font size="2">UNITED STATES</font></b></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><b><font size="2">SECURITIES AND EXCHANGE COMMISSION</font></b></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><b><font size="2">Washington, D.C. 20549</font></b></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><b><font size="2">FORM 8-K</font></b></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><b><font size="2">CURRENT REPORT</font></b></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><b><font size="2">Pursuant to Section 13 or 15(d) of</font></b></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><b><font size="2">the Securities Exchange Act of 1934</font></b></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>

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                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">&nbsp;</p>
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                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="312">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify"><font size="2">Date of Report (Date of earliest event reported)</font></p>
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                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 0.5pt solid" valign="top" width="151">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify"><b><font size="2">April 23, 2009</font></b></p>
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                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">&nbsp;</p>
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            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

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                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">Norwood Financial Corp.</font></b></p>
                        </td>
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                    <tr>
                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="624">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><font size="2">(Exact name of registrant as specified in its charter)</font></p>
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            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

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                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">Pennsylvania</font></b></p>
                        </td>

                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 0.5pt solid" valign="top" width="208">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">0-28364</font></b></p>
                        </td>

                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 0.5pt solid" valign="top" width="208">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">23-2828306</font></b></p>
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                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="208">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><font size="2">(State or other jurisdiction</font></p>

                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><font size="2">of incorporation)</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="208">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><font size="2">(Commission </font></p>

                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><font size="2">File Number)</font></p>
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                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="208">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><font size="2">(IRS Employer</font></p>

                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><font size="2">Identification No.)</font></p>
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            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

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                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">717 Main Street, Honesdale, Pennsylvania</font></b></p>
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                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 0.5pt solid" valign="top" width="101">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">18431</font></b></p>
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                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="523">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">(Address of principal executive offices)</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="101">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><font size="2">(Zip Code)</font></p>
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                </table>
            </div>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

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                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="336">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><font size="2">Registrant&rsquo;s telephone number, including area code:</font></p>
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                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 0.5pt solid" valign="top" width="138">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">(570) 253-1455</font></b></p>
                        </td>

                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="48">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">&nbsp;</p>
                        </td>
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            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

            <div align="center">
                <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="576" border="0">
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                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 0.5pt solid" valign="top" width="624">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">Not Applicable</font></b></p>
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                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="624">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><font size="2">(Former name or former address, if changed since last report)</font></p>
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            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

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                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify"><font size="2">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):</font></p>
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                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">&nbsp;</p>
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                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="522">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">&nbsp;</p>
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                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="54">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify"><font face="Wingdings">o</font></p>
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                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="522">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify"><font size="2">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></p>
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                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">&nbsp;</p>
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                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="522">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">&nbsp;</p>
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                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="54">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify"><font face="Wingdings">o</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="522">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify"><font size="2">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></p>
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                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">&nbsp;</p>
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                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="522">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">&nbsp;</p>
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                    <tr>
                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="54">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify"><font face="Wingdings">o</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="522">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify"><font size="2">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></p>
                        </td>
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                    <tr>
                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="54">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="522">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">&nbsp;</p>
                        </td>
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                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="54">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify"><font face="Wingdings">o</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="522">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify"><font size="2">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)).</font></p>
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            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; PADDING-BOTTOM: 1px; BORDER-BOTTOM: 2.25pt double; TEXT-ALIGN: justify">&nbsp;</p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

            <div title="EE+ Page Break" style="FONT-SIZE: 1pt; PAGE-BREAK-AFTER: always; WIDTH: 100%; HEIGHT: 1px">
                <hr align="center" width="100%" noshade size="2">
            </div>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><b><font size="2">NORWOOD FINANCIAL CORP.</font></b></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><u><b><font size="2">INFORMATION TO BE INCLUDED IN REPORT</font></b></u></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><u><b><font size="2">Item 2.02. Results of Operations and Financial Condition</font></b></u></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 1.5in; TEXT-ALIGN: justify">&nbsp;</p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: justify"><font size="2">On April 23, 2009, the Registrant issued a press release announcing its earnings for the quarter ended March 31, 2009. A copy of the press release is furnished with this report as exhibit 99.1.</font></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>

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                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify"><u><b><font size="2">Item 9.01. Financial Statements and Exhibits </font></b></u></p>
                        </td>
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            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>

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                        </td>

                        <td valign="top" nowrap width="94">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify"><font size="2">(d) Exhibits:</font></p>
                        </td>
                    </tr>
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            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>

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                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">&nbsp;</p>
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                        <td valign="top" nowrap width="48">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify"><font size="2">99.1</font></p>
                        </td>

                        <td valign="top" nowrap width="228">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify"><font size="2">Press Release, dated April 23, 2009</font></p>
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                </table>
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            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

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            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><b><font size="2">SIGNATURES</font></b></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center">&nbsp;</p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: left"><font size="2">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</font></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

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                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" colspan="2">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">NORWOOD FINANCIAL CORP.</font></b></p>
                        </td>
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                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>

                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>

                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>

                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">Date:&nbsp;&nbsp;&nbsp;&nbsp;April 23, 2009</font></p>
                        </td>

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                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
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                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>

                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>

                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>

                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">By:</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="252">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">/s/ William W. Davis, Jr.</font></p>
                        </td>
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                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
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                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
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                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="top" width="252">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">William W. Davis, Jr.</font></p>

                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">President and Chief Executive Officer</font></p>

                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">(Duly Authorized Representative)</font></p>
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<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>ex99-1.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
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            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><u><font size="2">FOR IMMEDIATE RELEASE</font></u></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><u><font size="2">NORWOOD FINANCIAL CORP ANNOUNCES FIRST QUARTER EARNINGS</font></u> <font size="2">&nbsp;</font></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center">&nbsp;</p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><font size="2">April 23, 2009</font></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.54in; LINE-HEIGHT: 200%; TEXT-ALIGN: left"><font size="2">William W. Davis, Jr., President and Chief Executive Officer of Norwood Financial Corp (NWFL-Nasdaq Global Market) and its subsidiary, Wayne Bank announced earnings of $1,737,000 for the three months ended March 31, 2009 compared to $1,779,000 for the similar period in 2008. Earnings per share on a fully diluted basis, were $.63 in the current period compared to
            $.64 in the 2008 period. The return on average assets for the three months ended March 31, 2009 was 1.39% with a return on average equity of 11.80%.</font></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.55in; LINE-HEIGHT: 200%; TEXT-ALIGN: left"><font size="2">Total assets as of March 31, 2009 were $511.4 million with loans receivable of $351.4 million, deposits of $370.4 million and total stockholders&rsquo; equity of $60.2 million. Assets have increased $27.5 million or 5.7% from March 31, 2008. Loans receivable reflected an increase of $22.1 million, or 6.7% since March 31, 2008. The growth in loans receivable was
            centered in both commercial and residential real estate loans. Non-performing assets, which include non-performing loans and foreclosed real estate, totaled $2,460,000 as of March 31, 2009 compared to $2,747,000 at December 31, 2008 and $302,000 at March 31, 2008. The increase from the prior year was related to two land development projects. Net charge-offs for the three months ended March 31, 2009 totaled $45,000 with a provision for loan losses of $225,000 compared to $19,000 in
            net charge-offs and a $75,000 provision for loan losses for the similar period in 2008. The allowance for loan losses was $4,413,000 at March 31, 2009, compared to $4,137,000 at March 31, 2008.</font></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

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                <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"></p>

                <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><a name="PAGENUM"><font size="2">1</font></a></p>

                <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

                <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"></p>
            </div>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

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            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.55in; LINE-HEIGHT: 200%; TEXT-ALIGN: left"><font size="2">Net interest income on a fully taxable equivalent basis (fte) was $4,842,000 in the current period, an increase of $361,000 or 8.1% over the similar period in 2008. The resulting net interest margin (fte) for the three months ended March 31, 2009 was 3.96% increasing from 3.90% in the 2008 period. Other income for the three months ended March 31, 2009 totaled
            $1,281,000 compared to $1,262,000 in the similar period of 2008. The current period includes $133,000 related to gains on the sale of $9.7 million of residential mortgage loans compared to $388,000 in similar gains on the sale of $13.9 million of loans in the 2008 period. The mortgages, principally 30 year fixed rates, were sold for interest rate risk management. During the 2009 quarter, the Company also realized $161,000 in gains on sales of securities compared to no such gains in
            the 2008 quarter. Effective March 31, 2009, the Company closed its office in Hamlin and recorded a $150,000 gain on the sale of the related deposits to another financial institution. Other expenses for the three months ended March 31, 2009 totaled $3,275,000, an increase of $314,000 from $2,961,000 in the similar period in 2008. The increase is due in part to a $114,000 increase in FDIC insurance assessments.</font></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.55in; LINE-HEIGHT: 200%; TEXT-ALIGN: left"><font size="2">Mr.&nbsp;Davis commented, &ldquo;Even though we are operating in a very challenging environment, we believe the Company had a very solid start to 2009. Our core earnings are strong and our capital levels are at the top of our peer group. We are certainly aware that the slow down in the economy, increased unemployment and the soft real estate market will continue to
            impact our customers, but are optimistic that all the government stimulus programs will eventually turn this economy around.&rdquo;</font></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: 200%; TEXT-ALIGN: left"><font size="2">Norwood Financial Corp., through its subsidiary Wayne Bank, operates eleven offices in Wayne, Pike and Monroe Counties, Pennsylvania. The Company&rsquo;s stock is traded on the Nasdaq Global Market, under the symbol, &ldquo;NWFL&rdquo;.</font></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

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                <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><a name="PAGENUM"><font size="2">2</font></a></p>

                <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

                <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"></p>
            </div>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

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            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.59in; LINE-HEIGHT: 200%; TEXT-ALIGN: left"><b><font size="2">Forward-Looking Statements</font></b><font size="2">. The foregoing material may contain forward-looking statements. We caution that such statements may be subject to a number of uncertainties and actual results could differ materially and therefore readers should not place undue reliance on any forward looking statements. Those risks and uncertainties include
            changes in the absolute and relative levels of interest rates, the ability to control costs and expenses, demand for real estate, general economic conditions and the effectiveness of governmental response thereto. Norwood Financial Corp. does not undertake and specifically disclaims any obligation to publicly release the results of any revisions that may be made to any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after
            the date of such statements.</font></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: 200%; TEXT-ALIGN: left"><b><font size="2">Non-GAAP Financial Measures</font></b></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 200%; TEXT-ALIGN: left"><font size="2">This release references tax-equivalent interest income and net interest income, which are non-GAAP financial measures. Tax-equivalent interest income and net interest income are derived from GAAP interest income and net interest income using an assumed tax rate of 34%. We believe the presentation of interest income and net interest income on a tax&ndash;equivalent basis ensures
            comparability of interest income and net interest income arising from both taxable and tax-exempt sources and is consistent with industry practice.</font></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><font size="2">Contact:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Lewis J. Critelli</font></p>

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                        <td valign="top" nowrap width="290">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">Executive Vice President, Secretary &amp;</font></p>
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                        </td>

                        <td valign="top" nowrap width="177">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">Chief Financial Officer</font></p>
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                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="top" nowrap width="246">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">NORWOOD FINANCIAL CORP</font></p>
                        </td>
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                <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="186" border="0">
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                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="top" nowrap width="120">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">570-253-8512</font></p>
                        </td>
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                <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="241" border="0">
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                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="top" nowrap width="175">
                            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font color="#0000ff"><font size="2">www.waynebank.com</font></font></p>
                        </td>
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            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

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                <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><a name="PAGENUM"><font size="2">3</font></a></p>

                <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

                <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"></p>
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            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

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            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><b><font size="2">NORWOOD FINANCIAL CORP.</font></b></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><b><font size="2">Consolidated Balance Sheets</font></b></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><b><font size="2">(dollars in thousands, except share data)</font></b></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><font size="2">(unaudited)</font></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

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                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" colspan="5">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="1">March 31,</font></b></p>
                        </td>

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                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" width="445">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" colspan="2">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="1">2009</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" colspan="2">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="1">2008</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">ASSETS</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; BORDER-TOP: black 0.5pt solid; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 47.25pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; BORDER-TOP: black 0.5pt solid; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 26pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Cash and due from banks</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">$</font></b></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">5,682</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">8,283</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 27pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Interest bearing deposits with banks</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">9,329</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">33</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 26pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Federal funds sold</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">3,000</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 1px solid" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 3pt; TEXT-ALIGN: right"><font size="2">&mdash;</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 46pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Cash and cash equivalents</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">18,011</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">8,316</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 23pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Securities available for sale</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">124,222</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">130,633</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 23pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Securities held to maturity, fair value 2009: $724 2008: $726</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">707</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">706</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 23pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Loans receivable (net of unearned Income)</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">351,433</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">329,377</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 23pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Less: Allowance for loan losses</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">4,413</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4,137</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 32pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Net loans receivable</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">347,020</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">325,240</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 23pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Investment in FHLB Stock, at cost</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">3,538</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,124</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 23pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Bank premises and equipment,net</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">5,413</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,668</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 23pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Bank owned life insurance</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">8,149</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">7,841</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 23pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Foreclosed real estate owned</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">768</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 3pt; TEXT-ALIGN: right"><font size="2">&mdash;</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 24pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Accrued interest receivable</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">2,314</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,409</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 21pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">&nbsp;Other assets</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">1,282</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,030</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 45pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">TOTAL ASSETS</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">$</font></b></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">511,424</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">483,967</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 47.25pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 47.25pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">LIABILITIES</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 47.25pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 47.25pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 26pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Deposits:</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 32pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Non-interest bearing demand</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">$</font></b></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">57,270</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">55,618</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 32pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Interest-bearing</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">313,146</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">315,535</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 45pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Total deposits</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">370,416</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">371,153</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 23pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Short-term borrowings</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">29,412</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">28,006</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 23pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Other borrowings</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">43,000</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">23,000</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 24pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Accrued interest payable</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">1,944</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,621</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 21pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">&nbsp;Payable on sale of deposits</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">3,607</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 3pt; TEXT-ALIGN: right"><font size="2">&mdash;</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 23pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Other liabilities</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">2,895</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,613</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 51pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">TOTAL LIABILITIES</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">451,274</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">427,393</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">STOCKHOLDERS' EQUITY</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 23pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Common Stock, $.10 par value, authorized 10,000,000 shares</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 48pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">issued: 2,840,872</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">284</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">284</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 23pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Surplus</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">9,993</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">10,119</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 23pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Retained earnings</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">51,394</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">47,603</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 23pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Treasury stock, at cost: 2009: 106,041 shares, 2008: 101,328 shares</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">(3,286</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">)</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">(3,152</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">)</font></p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 24pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Accumulated other comprehensive income</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">1,765</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,720</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 48pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">TOTAL STOCKHOLDERS' EQUITY</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">60,150</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">56,574</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 45pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">TOTAL LIABILITIES AND</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="445">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 65pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">STOCKHOLDERS' EQUITY</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">$</font></b></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">511,424</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" valign="bottom" nowrap width="61">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">483,967</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>
                </table>
            </div>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

            <div title="EE+ Page Footer">
                <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"></p>

                <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><a name="PAGENUM"><font size="2">4</font></a></p>

                <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

                <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"></p>
            </div>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

            <div title="EE+ Page Break" style="FONT-SIZE: 1pt; PAGE-BREAK-AFTER: always; WIDTH: 100%; HEIGHT: 1px">
                <hr align="center" width="100%" noshade size="2">
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            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><b><font size="2">NORWOOD FINANCIAL CORP.</font></b></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><b><font size="2">Consolidated Statements of Income</font></b></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><b><font size="2">(dollars in thousands, except per share data)</font></b></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><b><font size="2">(unaudited)</font></b></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

            <div align="left">
                <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="643" border="0">
                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" width="451">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" colspan="5">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">Three Months Ended March 31,</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" width="451">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" colspan="2">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">2009</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" colspan="2">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">2008</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">INTEREST INCOME</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; BORDER-TOP: black 0.5pt solid; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; BORDER-TOP: black 0.5pt solid; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 45pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Loans receivable, including fees</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">$</font></b></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">5,287</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,641</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Securities</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">1,397</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,489</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left" align="left"><font size="2">Other</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">6</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">19</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 42pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Total Interest income</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">6,690</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">7,149</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 45pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">INTEREST EXPENSE</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Deposits</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">1,501</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,371</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Short-term borrowings</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">96</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">187</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Other borrowings</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">412</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">267</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 42pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Total Interest expense</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">2,009</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,825</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">NET INTEREST INCOME</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">4,681</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4,324</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">PROVISION FOR LOAN LOSSES</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">225</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">75</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">4,456</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4,249</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: 3pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">OTHER INCOME</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Service charges and fees</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">598</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">638</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Income from fiduciary activities</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">82</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">92</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Net realized gains on sales of securities</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">161</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 3pt; TEXT-ALIGN: right"><font size="2">&mdash;</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Gains on sale of loans and servicing rights</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">133</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">388</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Gain on sale of deposits</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">150</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 3pt; TEXT-ALIGN: right"><font size="2">&mdash;</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Other</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">157</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">144</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 42pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Total other income</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">1,281</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,262</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 45pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">OTHER EXPENSES</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Salaries and employee benefits</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">1,614</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,546</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Occupancy, furniture and equipment</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">485</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">430</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Data processing related</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">196</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">188</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Taxes, other than income</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">136</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">126</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Professional Fees</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">98</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">90</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">FDIC Insurance assessment</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">126</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">12</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Foreclosed real estate owned</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">12</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 3pt; TEXT-ALIGN: right"><font size="2">&mdash;</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Other</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">608</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">569</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 42pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Total other expenses</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">3,275</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,961</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">INCOME BEFORE TAX</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">2,462</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,550</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">INCOME TAX EXPENSE</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">725</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">771</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">NET INCOME</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">$</font></b></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">1,737</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,779</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Basic earnings per share</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">$</font></b></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">0.63</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.65</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="451">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Diluted earnings per share</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">$</font></b></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">0.63</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" valign="bottom" nowrap width="58">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.64</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>
                </table>
            </div>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

            <div title="EE+ Page Footer">
                <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"></p>

                <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><a name="PAGENUM"><font size="2">5</font></a></p>

                <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

                <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"></p>
            </div>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

            <div title="EE+ Page Break" style="FONT-SIZE: 1pt; PAGE-BREAK-AFTER: always; WIDTH: 100%; HEIGHT: 1px">
                <hr align="center" width="100%" noshade size="2">
            </div>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><b><font size="2">NORWOOD FINANCIAL CORP.</font></b></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><b><font size="2">Financial Highlights (Unaudited)</font></b></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><b><font size="2">(dollars in thousands, except per share data)</font></b></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

            <div align="left">
                <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="636" border="0">
                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" width="400">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="1">For the Three Months March 31</font></b></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" colspan="2">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="1">2009</font></b></p>
                        </td>

                        <td valign="bottom" width="37">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="top" colspan="2">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="1">2008</font></b></p>
                        </td>

                        <td valign="bottom" width="74">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="400">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; BORDER-TOP: black 0.5pt solid; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="37">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="top" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; BORDER-TOP: black 0.5pt solid; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="74">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="400">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Net interest income</font></p>
                        </td>

                        <td valign="bottom" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">$</font></b></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">4,681</font></b></p>
                        </td>

                        <td valign="bottom" width="37">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="top" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4,324</font></p>
                        </td>

                        <td valign="bottom" width="74">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="400">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Net income</font></p>
                        </td>

                        <td valign="bottom" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">1,737</font></b></p>
                        </td>

                        <td valign="bottom" width="37">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="top" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,779</font></p>
                        </td>

                        <td valign="bottom" width="74">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="400">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="37">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="top" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="74">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="400">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Net interest spread (fully taxable equivalent)</font></p>
                        </td>

                        <td valign="bottom" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">3.54</font></b></p>
                        </td>

                        <td valign="bottom" width="37">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">%</font></b></p>
                        </td>

                        <td valign="top" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3.24</font></p>
                        </td>

                        <td valign="bottom" width="74">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="400">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Net interest margin (fully taxable equivalent)</font></p>
                        </td>

                        <td valign="bottom" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">3.96</font></b></p>
                        </td>

                        <td valign="bottom" width="37">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">%</font></b></p>
                        </td>

                        <td valign="top" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3.90</font></p>
                        </td>

                        <td valign="bottom" width="74">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="400">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Return on average assets</font></p>
                        </td>

                        <td valign="bottom" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">1.39</font></b></p>
                        </td>

                        <td valign="bottom" width="37">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">%</font></b></p>
                        </td>

                        <td valign="top" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1.49</font></p>
                        </td>

                        <td valign="bottom" width="74">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="400">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Return on average equity</font></p>
                        </td>

                        <td valign="bottom" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">11.80</font></b></p>
                        </td>

                        <td valign="bottom" width="37">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">%</font></b></p>
                        </td>

                        <td valign="top" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">12.68</font></p>
                        </td>

                        <td valign="bottom" width="74">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="400">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Basic earnings per share</font></p>
                        </td>

                        <td valign="bottom" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">$</font></b></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">0.63</font></b></p>
                        </td>

                        <td valign="bottom" width="37">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="top" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.65</font></p>
                        </td>

                        <td valign="bottom" width="74">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="400">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Diluted earnings per share</font></p>
                        </td>

                        <td valign="bottom" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">0.63</font></b></p>
                        </td>

                        <td valign="bottom" width="37">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="top" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.64</font></p>
                        </td>

                        <td valign="bottom" width="74">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="400">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="37">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="top" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="74">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="400">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="37">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="top" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="74">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="400">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><u><b><font size="2">As of March 31</font></b></u></p>
                        </td>

                        <td valign="bottom" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="37">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="top" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="74">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="400">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="37">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="top" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="74">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="400">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Total Assets</font></p>
                        </td>

                        <td valign="bottom" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">$</font></b></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">511,424</font></b></p>
                        </td>

                        <td valign="bottom" width="37">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="top" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">483,967</font></p>
                        </td>

                        <td valign="bottom" width="74">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="400">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Total Loans receivable</font></p>
                        </td>

                        <td valign="bottom" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">351,433</font></b></p>
                        </td>

                        <td valign="bottom" width="37">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="top" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">329,377</font></p>
                        </td>

                        <td valign="bottom" width="74">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="400">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Allowance for loan losses</font></p>
                        </td>

                        <td valign="bottom" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">4,413</font></b></p>
                        </td>

                        <td valign="bottom" width="37">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="top" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4,137</font></p>
                        </td>

                        <td valign="bottom" width="74">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="400">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Total deposits</font></p>
                        </td>

                        <td valign="bottom" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">370,416</font></b></p>
                        </td>

                        <td valign="bottom" width="37">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="top" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">371,153</font></p>
                        </td>

                        <td valign="bottom" width="74">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="400">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Stockholders' equity</font></p>
                        </td>

                        <td valign="bottom" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">60,150</font></b></p>
                        </td>

                        <td valign="bottom" width="37">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="top" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">56,574</font></p>
                        </td>

                        <td valign="bottom" width="74">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="400">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Trust Assets under management</font></p>
                        </td>

                        <td valign="bottom" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">85,146</font></b></p>
                        </td>

                        <td valign="bottom" width="37">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="top" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">99,575</font></p>
                        </td>

                        <td valign="bottom" width="74">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="400">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="37">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="top" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="74">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="400">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Book value per share</font></p>
                        </td>

                        <td valign="bottom" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">$</font></b></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">21.99</font></b></p>
                        </td>

                        <td valign="bottom" width="37">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="top" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">20.65</font></p>
                        </td>

                        <td valign="bottom" width="74">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="400">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Equity to total assets</font></p>
                        </td>

                        <td valign="bottom" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">11.76</font></b></p>
                        </td>

                        <td valign="bottom" width="37">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">%</font></b></p>
                        </td>

                        <td valign="top" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">11.69</font></p>
                        </td>

                        <td valign="bottom" width="74">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="400">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Allowance to total loans receivable</font></p>
                        </td>

                        <td valign="bottom" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">1.26</font></b></p>
                        </td>

                        <td valign="bottom" width="37">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">%</font></b></p>
                        </td>

                        <td valign="top" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1.26</font></p>
                        </td>

                        <td valign="bottom" width="74">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="400">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Nonperforming loans to total loans</font></p>
                        </td>

                        <td valign="bottom" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">0.48</font></b></p>
                        </td>

                        <td valign="bottom" width="37">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">%</font></b></p>
                        </td>

                        <td valign="top" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.09</font></p>
                        </td>

                        <td valign="bottom" width="74">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="400">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Nonperforming assets to total assets</font></p>
                        </td>

                        <td valign="bottom" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">0.48</font></b></p>
                        </td>

                        <td valign="bottom" width="37">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">%</font></b></p>
                        </td>

                        <td valign="top" width="12">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="50">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.06</font></p>
                        </td>

                        <td valign="bottom" width="74">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>
                    </tr>
                </table>
            </div>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

            <div title="EE+ Page Footer">
                <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"></p>

                <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><a name="PAGENUM"><font size="2">6</font></a></p>

                <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

                <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"></p>
            </div>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

            <div title="EE+ Page Break" style="FONT-SIZE: 1pt; PAGE-BREAK-AFTER: always; WIDTH: 100%; HEIGHT: 1px">
                <hr align="center" width="100%" noshade size="2">
            </div>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><b><font size="2">NORWOOD FINANCIAL CORP.</font></b></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><b><font size="2">Consolidated Balance Sheets (unaudited)</font></b></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><b><font size="2">(dollars in thousands)</font></b></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

            <div align="left">
                <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="644" border="0">
                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" width="281">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">31-Mar</font></b></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">31-Dec</font></b></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">30-Sep</font></b></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">30-Jun</font></b></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">31-Mar</font></b></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" width="281">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">2009</font></b></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">2008</font></b></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">2008</font></b></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">2008</font></b></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">2008</font></b></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">ASSETS</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 45pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 45pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 45pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 45pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 45pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 26pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Cash and due from banks</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">$5,682</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">$6,463</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">$9,277</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">$9,664</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">$8,283</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 27pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Interest bearing deposits with banks</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">9,329</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">17</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">74</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">51</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">33</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 26pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Federal funds sold</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 1px solid" nowrap width="57">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3,000</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 1px solid" nowrap width="57">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 3pt; TEXT-ALIGN: right"><font size="2">&mdash;</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 1px solid" nowrap width="57">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">450</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 3pt; TEXT-ALIGN: right"><font size="2">&mdash;</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 3pt; TEXT-ALIGN: right"><font size="2">&mdash;</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 40pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Cash and cash equivalents</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">18,011</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">6,480</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">9,801</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">9,715</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">8,316</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 23pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Securities available for sale</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">124,222</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">130,120</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">128,287</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">130,811</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">130,633</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 23pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Securities held to maturity</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">707</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">707</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">706</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">706</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">706</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 23pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Loans receivable (net of unearned Income)</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">351,433</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">349,404</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">341,217</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">332,754</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">329,377</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 23pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Less: Allowance for loan losses</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4,413</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4,233</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4,331</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4,237</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4,137</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 32pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Net loans receivable</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">347,020</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">345,171</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">336,886</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">328,517</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">325,240</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 23pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Investment in FHLB stock</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3,538</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3,538</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3,545</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,657</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,124</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 23pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Bank premises and equipment, net</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,413</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,490</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,601</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,702</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,668</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 23pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Foreclosed real estate owned</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">768</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">660</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">660</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,200</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 3pt; TEXT-ALIGN: right"><font size="2">&mdash;</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 23pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Other assets</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">11,745</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">12,130</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">13,149</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">12,601</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">11,280</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 45pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">TOTAL ASSETS</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">$511,424</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">$504,296</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">$498,635</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">$491,909</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">$483,967</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">LIABILITIES</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 23pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Deposits:</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 32pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Non-interest bearing demand</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">$57,270</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">$56,839</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">$63,474</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">$59,496</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">$55,618</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 32pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Interest- bearing deposits</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">313,146</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">302,796</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">297,083</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">305,775</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">315,535</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 45pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Total deposits</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">370,416</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">359,635</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">360,557</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">365,271</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">371,153</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 23pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Other borrowings</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">72,412</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">81,126</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">76,575</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">65,060</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">51,006</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 23pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Other liabilities</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">8,446</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4,845</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,389</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,647</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,234</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 45pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">TOTAL LIABILITIES</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">451,274</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">445,606</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">442,521</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">435,978</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">427,393</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">STOCKHOLDERS' EQUITY</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">60,150</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">58,690</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">56,114</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">55,931</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">56,574</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 45pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">TOTAL LIABILITIES AND</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="281">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 65pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">STOCKHOLDERS' EQUITY</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">$511,424</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">$504,296</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">$498,635</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">$491,909</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" nowrap width="57">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">$483,967</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>
                </table>
            </div>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

            <div title="EE+ Page Footer">
                <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"></p>

                <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><a name="PAGENUM"><font size="2">7</font></a></p>

                <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

                <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"></p>
            </div>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

            <div title="EE+ Page Break" style="FONT-SIZE: 1pt; PAGE-BREAK-AFTER: always; WIDTH: 100%; HEIGHT: 1px">
                <hr align="center" width="100%" noshade size="2">
            </div>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><b><font size="2">NORWOOD FINANCIAL CORP.</font></b></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><b><font size="2">Consolidated Statements of Income (unaudited)</font></b></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><b><font size="2">(dollars in thousands, except per share data)</font></b></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

            <div align="left">
                <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="644" border="0">
                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" colspan="2">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">31-Mar</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" colspan="2">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">31-Dec</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" colspan="2">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">30 Sep</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" colspan="2">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">30-Jun</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" colspan="2">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">31-Mar</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" width="320">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">Three months ended</font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" colspan="2">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">2009</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" colspan="2">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">2008</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" colspan="2">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">2008</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" colspan="2">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">2008</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" colspan="2">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">2008</font></b></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">INTEREST INCOME</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; BORDER-TOP: black 0.5pt solid; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; BORDER-TOP: black 0.5pt solid; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; BORDER-TOP: black 0.5pt solid; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; BORDER-TOP: black 0.5pt solid; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; BORDER-TOP: black 0.5pt solid; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Loans receivable, including fees</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,287</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,423</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,509</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,410</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,641</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Securities</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,397</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,508</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,549</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,537</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,489</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Other</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">6</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">6</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">19</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 42pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Total Interest income</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">6,690</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">6,934</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">7,059</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">6,953</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">7,149</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">INTEREST EXPENSE</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Deposits</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,501</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,659</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,780</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,963</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,371</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Borrowings</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">508</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">548</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">503</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">416</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">454</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 48pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Total Interest expense</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,009</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,207</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,283</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,379</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,825</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">NET INTEREST INCOME</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4,681</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4,727</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4,776</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4,574</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4,324</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">PROVISION FOR LOAN LOSSES</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">225</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">420</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">130</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">110</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">75</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">NET INTEREST INCOME AFTER PROVISION</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 27.75pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 27.75pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 27.75pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 27.75pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 27.75pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 32pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">FOR LOAN LOSSES</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4,456</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4,307</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4,646</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4,464</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4,249</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">OTHER INCOME</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Service charges and fees</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">598</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">636</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">656</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">670</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">638</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Income from fiduciary activities</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">82</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">111</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">91</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">110</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">92</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Net realized gains (losses) on sales of securities</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">161</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 3pt; TEXT-ALIGN: right"><font size="2">&mdash;</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">(27</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">)</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">9</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 3pt; TEXT-ALIGN: right"><font size="2">&mdash;</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Gains on sale of loans and servicing rights</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">133</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">13</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">90</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">8</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">388</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr height="16">
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Gain on sale of deposits</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">150</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 3pt; TEXT-ALIGN: right"><font size="2">&mdash;</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 3pt; TEXT-ALIGN: right"><font size="2">&mdash;</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 3pt; TEXT-ALIGN: right"><font size="2">&mdash;</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 3pt; TEXT-ALIGN: right"><font size="2">&mdash;</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Other</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">157</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">130</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">163</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">165</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">144</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 48pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Total other income</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,281</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">890</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">973</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">962</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,262</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">OTHER EXPENSES</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Salaries and employee benefits</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,614</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,525</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,477</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,498</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,546</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Occupancy, furniture and equipment , net</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">485</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">378</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">403</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">414</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">430</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Foreclosed real estate owned</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">12</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">11</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">519</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">52</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 3pt; TEXT-ALIGN: right"><font size="2">&mdash;</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">FDIC insurance assessment</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">126</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">54</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">12</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">12</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">12</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 29pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Other</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,038</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">978</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">950</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">996</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">973</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 48pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Total other expenses</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3,275</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,946</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3,361</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,972</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,961</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 27.75pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 27.75pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 27.75pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 27.75pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 27.75pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">INCOME BEFORE TAX</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,462</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,251</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,258</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,454</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,550</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">INCOME TAX EXPENSE</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">725</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">666</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">666</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">733</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 0.5pt solid" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">771</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">NET INCOME</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,737</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,585</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,592</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,721</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,779</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 27.75pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 27.75pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 27.75pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 27.75pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 27.75pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Basic earnings per share</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.63</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.58</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.58</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.63</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.65</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: 3pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Diluted earnings per share</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.63</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.58</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.58</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.62</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt; BORDER-BOTTOM: black 2.25pt double" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.64</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Book Value per share</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">21.99</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">21.45</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">20.51</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">20.44</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">20.65</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Return on average equity</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">11.80</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">11.05</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">11.15</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">12.19</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">12.68</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Return on average assets</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1.39</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1.26</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1.28</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1.42</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1.49</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN: 2pt 0in 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Net interest spread</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3.54</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3.61</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3.67</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3.50</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3.24</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Net interest margin</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3.96</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4.09</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4.21</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4.06</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3.90</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Allowance for loan losses to total loans</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1.26</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1.21</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1.27</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1.27</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1.26</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Net charge-offs to average loans (annualized)</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.05</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.60</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.04</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.01</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.02</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Nonperforming loans to total loans</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.48</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.60</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.66</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.09</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.09</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="top" nowrap width="320">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Nonperforming assets to total assets</font></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.48</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.54</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="53">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.59</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.31</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>

                        <td valign="bottom" width="13">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                        </td>

                        <td style="PADDING-RIGHT: 0.55pt; PADDING-LEFT: 0.55pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0.55pt" valign="bottom" nowrap width="35">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.06</font></p>
                        </td>

                        <td valign="bottom" width="15">
                            <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                        </td>
                    </tr>
                </table>
            </div>

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