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<SEC-DOCUMENT>0000946275-09-000695.txt : 20091021
<SEC-HEADER>0000946275-09-000695.hdr.sgml : 20091021
<ACCEPTANCE-DATETIME>20091021171045
ACCESSION NUMBER:		0000946275-09-000695
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20091021
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20091021
DATE AS OF CHANGE:		20091021

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:		091130599

	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_102109-0160.htm
<DESCRIPTION>FORM
<TEXT>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;border-top:double 2.25pt;padding-top:1;'>&nbsp;</p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><B><font SIZE=4>UNITED STATES</font></B></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><B><font SIZE=4>SECURITIES AND EXCHANGE COMMISSION</font></B></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><b><font size=2>Washington, D.C. 20549</font></b></p>

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

<p style=' margin-bottom:0pt; margin-top:12pt;text-align:center;'><B><font SIZE=4>FORM 8-K</font></B></p>

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

<p style=' margin-bottom:0pt; margin-top:12pt;text-align:center;'><B><font SIZE=4>CURRENT REPORT</font></B></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><b><font size=2>Pursuant to Section 13 or 15(d) of</font></b></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><b><font size=2>the Securities Exchange Act of 1934</font></b></p>

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

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


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<table border="0" cellspacing=0 cellpadding=0 width="576" style=' border-collapse:collapse'>
    <tr>
        <td width="76" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:1.0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="312" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:1.0pt;margin-bottom:0pt'><font size=2>Date of Report (Date of earliest event reported)</font></p> </td>
        <td width="173" valign=top style='border-bottom: solid black .5pt;padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><b><font size=2>October 21, 2009</font></b></p>  </td>
        <td width="16" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:1.0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr></table>
</div>

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

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


<div align=center>

<table border="0" cellspacing=0 cellpadding=0 width="576" style=' border-collapse:collapse'>
    <tr>
        <td width="715" valign=top style='border-bottom:solid black .5pt; padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><B><font SIZE=2>NORWOOD FINANCIAL CORP.</font></B></p> </td> </tr>
    <tr>
        <td width="715" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>(Exact name of registrant as specified in its charter)</font></p> </td> </tr></table>
</div>

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

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


<div align=center>

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    <tr>
        <td width="213" valign=top style='border-bottom:solid black .5pt; padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Pennsylvania</font></b></p> </td>
        <td width="213" valign=top style='border-bottom:solid black .5pt; padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>0-28364</font></b></p> </td>
        <td width="213" valign=top style='border-bottom:solid black .5pt; padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>23-2828306</font></b></p> </td> </tr>
    <tr>
        <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>(State or other jurisdiction</font></p>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>of incorporation)</font></p> </td>
        <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>(Commission</font></p>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>File Number)</font></p> </td>
        <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>(IRS Employer</font></p>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>Identification No.)</font></p> </td> </tr></table>
</div>

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

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


<div align=center>

<table border="0" cellspacing=0 cellpadding=0 width="576" style=' border-collapse:collapse; '>
    <tr>
        <td width="535" valign=top style='border-bottom:solid black .5pt; padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>717 Main Street, Honesdale, Pennsylvania</font></b></p> </td>
        <td width="102" valign=top style='border-bottom:solid black .5pt; padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>18431</font></b></p> </td> </tr>
    <tr>
        <td width="535" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(Address of principal executive offices)</font></p> </td>
        <td width="102" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>(Zip Code)</font></p> </td> </tr></table>
</div>

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

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


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<table border="0" cellspacing=0 cellpadding=0 width="576" style=' border-collapse:collapse'>
    <tr>
        <td width="338" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Registrant&#146;s telephone number, including area code:</font></p> </td>
        <td width="238" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><u><b><font size=2>(570) 253-1455</font></b></u></p> </td> </tr></table>
</div>

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

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


<div align=center>

<table border="0" cellspacing=0 cellpadding=0 width="576" style=' border-collapse:collapse'>
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        <td width="715" valign=top style='border-bottom:solid black .5pt; padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Not Applicable</font></b></p> </td> </tr>
    <tr>
        <td width="715" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>(Former name or former address, if changed since last report)</font></p> </td> </tr></table>
</div>

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

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


<div align=center>

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        <td  colspan="2" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><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> </td> </tr>
    <tr>
        <td width="31" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="545" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr>
        <td width="31" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font face=Wingdings>o</font></p> </td>
        <td width="545" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></p> </td> </tr>
    <tr>
        <td width="31" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="545" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr>
        <td width="31" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font face=Wingdings>o</font></p> </td>
        <td width="545" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></p> </td> </tr>
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        <td width="31" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="545" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr>
        <td width="31" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font face=Wingdings>o</font></p> </td>
        <td width="545" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><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> </tr>
    <tr>
        <td width="31" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="545" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr>
        <td width="31" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font face=Wingdings>o</font></p> </td>
        <td width="545" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)).</font></p> </td> </tr></table>
</div>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;border-bottom:double 2.25pt;padding-bottom:1;'><font size=2>&nbsp;</font></p>

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

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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'>
<B><font SIZE=2>NORWOOD FINANCIAL CORP.</font></B></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><U><B><font SIZE=2>INFORMATION TO BE INCLUDED IN REPORT</font></B></U></p>

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

<p style=' margin-bottom:0pt; margin-top: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-bottom:0pt; margin-top:0pt; text-indent:1.5in;text-align:justify;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>On October 21, 2009, the Registrant issued a press release announcing its earnings for the quarter and nine months ended September 30, 2009.  A copy of the press release is furnished with this report as exhibit 99.1.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><u><b><font size=2>Item 9.01.  Financial Statements and Exhibits </font></b></u><font size=2>&nbsp;</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; text-indent:0.5in;text-align:justify;'><font size=2>(d) Exhibits:</font></p>

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


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        <td width="96" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="48" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>99.1</font></p> </td>
        <td width="244" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Press Release, dated October 21, 2009</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>

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

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

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=1>&nbsp;</font></p>

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

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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><B><font SIZE=2>SIGNATURES</font></B></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; text-indent:0.5in;text-align:justify;'><font size=2>Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</font></p>

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

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


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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0in;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0in;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td colspan="2" valign=bottom >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0in;margin-bottom:0pt'><B><font SIZE=2>NORWOOD FINANCIAL CORP.</font></B></p> </td> </tr>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt'><br> <font size=2>Date:&nbsp;&nbsp;&nbsp;&nbsp;October 21, 2009</font></p> </td>
        <td width="3%" valign=bottom >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="5%" valign=bottom >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt'><font size=2>By:</font></p> </td>
        <td width="42%" valign=bottom style='border-bottom: solid black .5pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0in;margin-bottom:0pt'><font size=2>/s/ William W. Davis, Jr.</font></p> </td> </tr>
    <tr>
        <td width="48%" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0in;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0in;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="5%" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0in;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="42%" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>William W. Davis, Jr.</font></p>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0in;margin-bottom:0pt'><font size=2>President and Chief Executive Officer</font></p>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0in;margin-bottom:0pt'><font size=2>(Duly Authorized Representative)</font></p> </td> </tr></table>
</div>

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

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


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


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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>ex99-1.htm
<DESCRIPTION>PRESS RELEASE
<TEXT>
<html>
    <head>
        <title></title>
    </head>

    <body style="FONT-FAMILY: 'Times New Roman'" bgcolor="#ffffff">
        <div style="WIDTH: 600px">
            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt">&nbsp;</p>

            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt"><font size="2">FOR IMMEDIATE RELEASE</font></p>

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

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

            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt"><u><font size="2">ANNOUNCES EARNINGS FOR THE THIRD QUARTER</font></u></p>

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

            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 200%; MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt"><font size="2">October 21, 2009-Honesdale, PA</font></p>

            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 200%; MARGIN-TOP: 0pt; TEXT-INDENT: 0.5in; MARGIN-BOTTOM: 0pt"><font size="2">William W. Davis, Jr. President and Chief Executive Officer of Norwood Financial Corp (Nasdaq Global Market-NWFL) and its subsidiary, Wayne Bank announced earnings for the three months ended September 30, 2009 of $1,775,000. This represents an increase of $183,000, or 11.5%, over the $1,592,000 earned in the similar period of 2008. Earnings per share (fully diluted)
            were $.64 in the 2009 period, increasing from the $.58 earned in the similar period in 2008. Annualized return on average assets for the three months ended September 30, 2009 was 1.40% with an annualized return on average equity of 11.25%. Net income for the nine months ended September 30, 2009 totaled $5,261,000, an increase of $169,000 or 3.3% over the $5,092,000 earned in the similar period of 2008. Earnings per share (fully diluted) for the nine months ended September 30, 2009
            totaled $1.90 per share compared to $1.84 per share in the 2008 period.</font></p>

            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 200%; MARGIN-TOP: 0pt; TEXT-INDENT: 0.5in; MARGIN-BOTTOM: 0pt"><font size="2">Total assets as of September 30, 2009 were $514.9 million with loans receivable of $359.5 million, deposits of $382.9 million and stockholders&rsquo; equity of $63.7 million. Total assets have increased $16.2 million, as compared to September 30, 2008.</font></p>

            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 200%; MARGIN-TOP: 0pt; TEXT-INDENT: 0.5in; MARGIN-BOTTOM: 0pt"><font size="2">Loans receivable increased $18.3 million or 5.4% from September 30, 2008. The increase was centered in the commercial loan portfolio, principally real estate related, which increased $18.4 million. The Company experienced a significant volume of residential mortgage activity in 2009, principally refinancing. In 2009, the Company sold $21.6 million of fixed-rate
            residential mortgages, mostly with 30 year terms, for purposes of interest rate risk management. </font></p>

            <p style="LINE-HEIGHT: 200%; MARGIN-TOP: 0pt; TEXT-INDENT: 0.5in; MARGIN-BOTTOM: 0pt" align="center"><font size="2">1</font></p>

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

            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 200%; MARGIN-TOP: 0pt; TEXT-INDENT: 0.5in; MARGIN-BOTTOM: 0pt"><font size="2"><font size="2">Non-performing assets, which includes non-performing loans and foreclosed real estate, totaled $3,739,000 and represented .73% of total assets as of September 30, 2009 compared to </font>$2,747,000 as of December 31, 2008 and $2,928,000 as of September 30, 2008. The increase was principally related to one home equity loan in which the Company is in a
            first lien position and two loans to a land developer. Net charge-offs were $51,000 for the quarter and totaled $155,000 for the nine months ended September 30, 2009 compared to $36,000 and $65,000, respectively, for the similar periods in 2008. The provision for loan losses totaled $140,000 and $585,000 for the three and nine month periods ended September 30, 2009, respectively, compared to $130,000 and $315,000, respectively, for the similar periods in 2008. The allowance for loan
            losses totaled $4,663,000 as of September 30, 2009 and represented 1.30% of total loans, increasing from $4,331,000 as of September 30, 2008 and 1.27% of total loans. </font></p>

            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 200%; MARGIN-TOP: 0pt; TEXT-INDENT: 0.5in; MARGIN-BOTTOM: 0pt"><font size="2">For the three months ended September 30, 2009, net interest income, on a fully taxable equivalent basis (fte), totaled $4,973,000, compared to $4,932,000 for the similar period in 2008. Net interest margin (fte) for the 2009 period was 4.07% compared to 4.21% for the similar period in 2008. The decrease in net interest margin was principally due to lower short-term
            asset yields and an increase in non-performing loans on which no interest is accrued. This was partially offset by a decrease of 46 basis points in the cost of funds. Net interest income (fte) for the nine months ended September 30, 2009 totaled $14,837,000, an increase of $688,000, or 4.9%, over the similar period in 2008. Net interest margin (fte) year to date for the 2009 period was 4.08% compared to 4.06% in 2008. </font></p>

            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 200%; MARGIN-TOP: 0pt; TEXT-INDENT: 0.5in; MARGIN-BOTTOM: 0pt"><font size="2">Other income for the three months ended September 30, 2009 totaled $1,018,000 compared to $973,000 for the similar period in 2008. The increase was principally due to a $90,000 in gain on the sales of investment securities compared to a $27,000 loss in </font></p>

            <p style="LINE-HEIGHT: 200%; MARGIN-TOP: 0pt; TEXT-INDENT: 0.5in; MARGIN-BOTTOM: 0pt" align="center"><font size="2">2</font></p>

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

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

            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 200%; MARGIN-TOP: 0pt; TEXT-INDENT: 0in; MARGIN-BOTTOM: 0pt"><font size="2"><font size="2">2008. For the nine months ended September 30, 2009, other income totaled $3,467,000 compared to $3,197,000 in the 2008 period. Gains on the sales of investment securities totaled $423,000 on sales of $14.7 million for the 2009 period compared to $18,000 in losses in the 2008 period. The Company also had a $150,000 gain on the sale of deposits related to
            a branch closure in the 2009 period. The 2009 period includes </font>$296,000 in gains on the sales of $21.6 million of mortgage loans and servicing rights compared to $486,000 in similar gains on sales of $14.4 million of mortgage loans and servicing rights in the 2008 period.</font></p>

            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 200%; MARGIN-TOP: 0pt; TEXT-INDENT: 0.5in; MARGIN-BOTTOM: 0pt"><font size="2">Other expenses totaled $3,174,000 for the three months ended September 30, 2009, compared to $3,361,000 in the similar period of 2008. The decrease was principally related to a lower level of foreclosed real estate costs which totaled $130,000 in the 2009 period and $519,000 for the 2008 period. This was partially offset by higher FDIC insurance assessments of
            $133,000 in the 2009 period due to general increases in the assessment rate, compared to $25,000 for the similar period in 2008. For the nine months ended September 30, 2009, other expenses total $9,769,000 compared to $9,294,000 for the similar period in 2008, an increase of $475,000. The increase was principally due to higher FDIC insurance assessments which increased $579,000 including the special assessment of $225,000. This was partially offset by a lower level of foreclosed
            real estate costs which totaled $148,000 in the 2009 period and $571,000 in 2008.</font></p>

            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 200%; MARGIN-TOP: 0pt; TEXT-INDENT: 0.5in; MARGIN-BOTTOM: 0pt"><font size="2">Mr.&nbsp;Davis commented, &ldquo;Even though we are operating in a very challenging economic environment our core earnings are strong, net interest margin is over 4.00% and our capital levels are at the top of our peer group. We will maintain our focus on credit quality and work diligently to resolve our problem loans during the remainder of 2009 as we have seen an
            increase in our loan delinquencies. Loan quality issues are directly attributable to higher unemployment and a soft real estate market.&rdquo; </font></p>

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt" align="center"><font size="2">3</font></p>

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

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

            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 200%; MARGIN-TOP: 0pt; TEXT-INDENT: 0.54in; MARGIN-BOTTOM: 0pt"><font size="2"><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 </font>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 responses 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="TEXT-ALIGN: left; LINE-HEIGHT: 200%; MARGIN-TOP: 0pt; TEXT-INDENT: 0.5in; MARGIN-BOTTOM: 0pt"><b><font size="2">Non-GAAP Financial Measures</font></b></p>

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

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

            <div align="left">
                <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="602">
                    <tr>
                        <td valign="bottom" width="343">
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" colspan="5">
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="1">Three months ended</font></b></p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" colspan="5">
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="1">Nine months ended</font></b></p>
                        </td>

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

                    <tr>
                        <td valign="bottom" width="343">
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="1">(dollars in thousands)</font></b></p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" colspan="5">
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="1">September 30</font></b></p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" colspan="5">
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="1">September 30</font></b></p>
                        </td>

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

                    <tr>
                        <td valign="bottom" width="343">
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="BORDER-TOP: black 0.5pt solid" valign="bottom" width="15">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT: medium none; BORDER-TOP: black 0.5pt solid; BORDER-RIGHT: medium none" valign="bottom" colspan="2">
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 2pt; TEXT-INDENT: 4.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="1">2008</font></b></p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" colspan="2">
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 2pt; TEXT-INDENT: 4.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="1">2009</font></b></p>
                        </td>

                        <td style="BORDER-TOP: black 0.5pt solid" valign="bottom" width="15">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT: medium none; BORDER-TOP: black 0.5pt solid; BORDER-RIGHT: medium none" valign="bottom" colspan="2">
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 2pt; TEXT-INDENT: 4.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="1">2008</font></b></p>
                        </td>

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

                    <tr>
                        <td valign="top" width="343">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 2pt; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in"><font size="2">Net interest income </font></p>
                        </td>

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

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="BORDER-TOP: black 0.5pt solid" valign="bottom" width="37">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">4,766</font></p>
                        </td>

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

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="BORDER-TOP: black 0.5pt solid" valign="bottom" width="37">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">4,776</font></p>
                        </td>

                        <td style="BORDER-TOP: black 0.5pt solid" valign="bottom" width="15">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="8">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="BORDER-TOP: black 0.5pt solid" valign="bottom" width="38">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">14,282</font></p>
                        </td>

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

                        <td valign="bottom" width="8">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td valign="bottom" width="38">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">13,674</font></p>
                        </td>

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

                    <tr>
                        <td valign="top" width="343">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Tax equivalent basis adjustment using 34% marginal tax rate </font></p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="37">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">207</font></p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="37">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">156</font></p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="8">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="38">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">555</font></p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="8">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="38">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">475</font></p>
                        </td>

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

                    <tr>
                        <td valign="top" width="343">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Net interest income on a fully taxable equivalent basis </font></p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="9">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="37">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">4,973</font></p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="9">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="37">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">4,932</font></p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="38">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">14,837</font></p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="38">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 2pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">14,149</font></p>
                        </td>

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

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

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt" align="center"><font size="2">4</font></p>

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

            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 150%; MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt"></p>

            <div align="left">
                <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="658">
                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="57">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">Contact:</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="4">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="426">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">Lewis J. Critelli</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="16">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="132">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="57">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="4">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="426">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">Executive Vice President, Secretary &amp;</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="16">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="132">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="57">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="4">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="426">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">Chief Financial Officer</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="16">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="132">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="57">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="4">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="426">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">NORWOOD FINANCIAL CORP</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="16">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="132">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="57">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="4">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="426">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">570-253-8512</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="16">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="132">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="57">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="4">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="426">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font color="#0000ff"><font size="2">www.waynebank.com</font></font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="16">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" valign="top" width="132">
                            <p style="TEXT-ALIGN: left; LINE-HEIGHT: 162%; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>
                </table>
            </div>

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

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt" align="center"><font size="2">5</font></p>

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

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

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

        <div style="WIDTH: 600px">
            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt"><b><font size="2"><b><font size="2">NORWOOD FINANCIAL CORP.</font></b></font></b></p>

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

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

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

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

            <div align="left">
                <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="605">
                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="428">
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" colspan="5">
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">September 30</font></b></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="428">
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

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

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">ASSETS</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 39pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 27pt"><font size="2">Cash and due from banks</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">8,769 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">9,277 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 27pt"><font size="2">Interest bearing deposits with banks</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">280 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">74 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 1pt; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 24pt"><font size="2">Federal funds sold</font></p>
                        </td>

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

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">3,000 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">450 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 46pt"><font size="2">Cash and cash equivalents</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">12,049 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">9,801 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 24pt"><font size="2">Securities available for sale</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">126,349 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">128,287 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 24pt"><font size="2">Securities held to maturity, fair value 2009: $725&nbsp;&nbsp;&nbsp;2008: $724</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">708 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">706 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 24pt"><font size="2">Loans receivable (net of unearned Income)</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">359,482 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">341,217 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 1pt; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 24pt"><font size="2">Less: Allowance for loan losses</font></p>
                        </td>

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

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">4,663 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">4,331 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 33pt"><font size="2">Net loans receivable</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">354,819 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">336,886 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 24pt"><font size="2">Investment in FHLB Stock, at cost</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">3,538 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">3,545 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 24pt"><font size="2">Bank premises and equipment, net</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">5,258 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">5,601 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 24pt"><font size="2">Bank owned life insurance</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">8,329 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">7,992 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 24pt"><font size="2">Foreclosed real estate owned</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">562 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">660 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 24pt"><font size="2">Accrued interest receivable</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">2,315 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">2,394 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 1pt; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 24pt"><font size="2">Other assets</font></p>
                        </td>

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

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">940 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">2,763 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 1.5pt; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 46pt"><font size="2">TOTAL ASSETS</font></p>
                        </td>

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

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

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">514,867 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">498,635 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 39pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 39pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">LIABILITIES</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 39pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 39pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 27pt"><font size="2">Deposits:</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 33pt"><font size="2">Non-interest bearing demand </font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">63,600 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">63,474 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 1pt; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 33pt"><font size="2">Interest-bearing </font></p>
                        </td>

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

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">319,263 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">297,083 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 46pt"><font size="2">Total deposits</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">382,863 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">360,557 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 24pt"><font size="2">Short-term borrowings</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">19,553 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">33,575 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 24pt"><font size="2">Other borrowings</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">43,000 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">43,000 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 24pt"><font size="2">Accrued interest payable</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">2,365 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">2,319 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 1pt; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 24pt"><font size="2">Other liabilities</font></p>
                        </td>

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

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">3,350 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">3,070 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 52pt"><font size="2">TOTAL LIABILITIES</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">451,131 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">442,521 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">STOCKHOLDERS&rsquo; EQUITY</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 24pt"><font size="2">Common Stock, $.10 par value, authorized 10,000,000 shares</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr height="17">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 50pt"><font size="2">issued: 2,840,872</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">284 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">284 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 24pt"><font size="2">Surplus</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">9,782 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">9,953 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 24pt"><font size="2">Retained earnings</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">53,430 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">49,550 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 24pt"><font size="2">Treasury stock, at cost: 2009: 78,089 shares, 2008: 105,616 shares</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">(2,420</font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt"><b><font size="2">)</font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">(3,272</font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt"><font size="2">)</font></p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 1pt; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 24pt"><font size="2">Accumulated other comprehensive income (loss)</font></p>
                        </td>

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

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">2,660 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">(401</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: white 0.5pt solid" valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt"><font size="2">)</font></p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 1pt; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 50pt"><font size="2">TOTAL STOCKHOLDERS&rsquo; EQUITY</font></p>
                        </td>

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

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">63,736 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">56,114 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 46pt"><font size="2">TOTAL LIABILITIES AND</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="428" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 1.5pt; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 66pt"><font size="2">STOCKHOLDERS&rsquo; EQUITY</font></p>
                        </td>

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

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

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">514,867 </font></b></p>
                        </td>

                        <td valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="58" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">498,635 </font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>
                    </tr>
                </table>
            </div>

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

            <div style="MARGIN-TOP: 12pt" title="PAGENUM" align="center">
                <a name="PAGENUM"><font size="2">6</font></a>
            </div>

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

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

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

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

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

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

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

            <div align="left">
                <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="732">
                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="408" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" colspan="6">
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">Three Months Ended September 30</font></b></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" colspan="6">
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">Nine Months Ended September 30</font></b></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="408" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="BORDER-TOP: black 0.5pt solid" valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="BORDER-TOP: black 0.5pt solid" valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT: medium none; BORDER-TOP: black 0.5pt solid; BORDER-RIGHT: medium none" valign="bottom" colspan="2">
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">2008</font></b></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="BORDER-TOP: black 0.5pt solid" valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="BORDER-TOP: black 0.5pt solid" valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT: medium none; BORDER-TOP: black 0.5pt solid; BORDER-RIGHT: medium none" valign="bottom" colspan="2">
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">2008</font></b></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">INTEREST INCOME</font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 47.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 46.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 28pt"><font size="2">Loans receivable, including fees</font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">$</font></b></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">5,382 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">5,509 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">$</font></b></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">16,095 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">16,560 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 28pt"><font size="2">Securities</font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">1,297 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">1,549 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">4,010 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">4,575 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 1pt; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 28pt"><font size="2">Other</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">1 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">1 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">8 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">26 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 40pt"><font size="2">Total Interest income</font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">6,680 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">7,059 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">20,113 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">21,161 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 46.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 46.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">INTEREST EXPENSE</font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 28pt"><font size="2">Deposits</font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">1,433 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">1,780 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">4,354 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">6,114 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 28pt"><font size="2">Short-term borrowings</font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">60 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">200 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">229 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">565 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 1pt; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 28pt"><font size="2">Other borrowings</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">421 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">303 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">1,248 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">808 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 1pt; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 38pt"><font size="2">Total Interest expense</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">1,914 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">2,283 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 1pt; TEXT-INDENT: 3pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">5,831 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">7,487 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">NET INTEREST INCOME</font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">4,766 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">4,776 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">14,282 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">13,674 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 1pt; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">PROVISION FOR LOAN LOSSES</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">140 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">130 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">585 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">315 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES</font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">4,626 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">4,646 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">13,697 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">13,359 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">OTHER INCOME</font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 28pt"><font size="2">Service charges and fees</font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">614 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">656 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">1,854 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">1,964 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 28pt"><font size="2">Income from fiduciary activities</font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">99 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">91 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">263 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">293 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 28pt"><font size="2">Net realized gains (losses) on sales of securities</font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">90 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">(27</font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt"><font size="2">)</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">423 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">(18</font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt"><font size="2">)</font></p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 28pt"><font size="2">Gains on sale of loans and servicing rights</font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">42 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">90 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">296 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">486 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 28pt"><font size="2">Gain on sale of deposits</font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">&mdash;</font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">&mdash;</font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">150 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">&mdash;</font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 1pt; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 28pt"><font size="2">Other </font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">173 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">163 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">481 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">472 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 45pt"><font size="2">Total other income</font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">1,018 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">973 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">3,467 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">3,197 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 46.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 46.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">OTHER EXPENSES</font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 30pt"><font size="2">Salaries and employee benefits</font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">1,611 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">1,477 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">4,820 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">4,521 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 30pt"><font size="2">Occupancy, furniture and equipment</font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">367 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">403 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">1,231 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">1,247 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 30pt"><font size="2">Data processing related</font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">194 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">183 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">593 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">551 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 30pt"><font size="2">Taxes, other than income</font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">139 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">130 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">414 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">387 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 30pt"><font size="2">Professional Fees</font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">100 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">72 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">302 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">250 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 30pt"><font size="2">FDIC Insurance assessment</font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">133 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">25 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">617 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">38 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 30pt"><font size="2">Foreclosed real estate owned</font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">130 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">519 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">148 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">571 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 1pt; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 30pt"><font size="2">Other </font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">500 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">552 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">1,644 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">1,729 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 50pt"><font size="2">Total other expenses</font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">3,174 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">3,361 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">9,769 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">9,294 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">INCOME BEFORE TAX</font></p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">2,470 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">2,258 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">7,395 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">7,262 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 1pt; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">INCOME TAX EXPENSE</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">695 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">666 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">2,134 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid" valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">2,170 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 1.5pt; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">NET INCOME</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">$</font></b></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">1,775 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">1,592 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="9">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">$</font></b></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">5,261 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="9">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">5,092 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 1.5pt; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Basic earnings per share </font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">$</font></b></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">0.64 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">0.58 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="9">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">$</font></b></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">1.92 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="9">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">1.86 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="10">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="9">
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN: 2pt 0in 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="408" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 1.5pt; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Diluted earnings per share </font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">$</font></b></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">0.64 </font></b></p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="7">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="10">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="62" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">0.58 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="9">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">$</font></b></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">1.90 </font></b></p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td valign="bottom" width="6">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="9">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="61" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">1.84 </font></p>
                        </td>

                        <td valign="bottom" width="5">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in">&nbsp;</p>
                        </td>
                    </tr>
                </table>
            </div>

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

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

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

            <div style="MARGIN-TOP: 12pt" title="PAGENUM" align="center">
                <a name="PAGENUM"><font size="2">7</font></a>
            </div>

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

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

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

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

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

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

            <div align="left">
                <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="488">
                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="292">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><u><b><font size="2">For the Three Months Ended September 30</font></b></u></p>
                        </td>

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

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Net interest income</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">4,766 </font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">4,776 </font></p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Net income</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">1,775 </font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">1,592 </font></p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Net interest spread (fully taxable equivalent)</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">3.63</font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">3.67</font></p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Net interest margin (fully taxable equivalent)</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">4.07</font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">4.21</font></p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Return on average assets</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">1.40</font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">1.28</font></p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Return on average equity</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">11.25</font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">11.15</font></p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Basic earnings per share </font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">0.64 </font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">0.58 </font></p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Diluted earnings per share </font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">0.64 </font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">0.58 </font></p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><u><b><font size="2">For the Nine Months Ended September 30</font></b></u></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Net interest income</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">14,282 </font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">13,674 </font></p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Net income</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">5,261 </font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">5,092 </font></p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Net interest spread (fully taxable equivalent)</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">3.64</font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">3.47</font></p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Net interest margin (fully taxable equivalent)</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">4.08</font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">4.06</font></p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Return on average assets</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">1.39</font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">1.40</font></p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Return on average equity</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">11.51</font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">12.00</font></p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Basic earnings per share </font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">1.92 </font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">1.86 </font></p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Diluted earnings per share </font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">1.90 </font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">1.84 </font></p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><u><b><font size="2">As of September 30</font></b></u></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Total Assets</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">514,867 </font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">498,635 </font></p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Total Loans receivable</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">359,482 </font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">341,217 </font></p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Allowance for loan losses</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">4,663 </font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">4,331 </font></p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Total deposits</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">382,863 </font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">360,557 </font></p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Stockholders&rsquo; equity</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">63,736 </font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">56,114 </font></p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Trust Assets under management</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">99,042 </font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">96,563 </font></p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Book value per share </font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">23.07 </font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">20.51 </font></p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Equity to total assets</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">12.38</font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">11.25</font></p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Allowance to total loans receivable</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">1.30</font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">1.27</font></p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Nonperforming loans to total loans </font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">0.88</font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">0.66</font></p>
                        </td>

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

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="top" width="292" nowrap>
                            <p style="TEXT-ALIGN: justify; MARGIN-TOP: 0in; TEXT-INDENT: -0.25in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in"><font size="2">Nonperforming assets to total assets</font></p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><b><font size="2">0.73</font></b></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="3" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="50" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0in; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">0.59</font></p>
                        </td>

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

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

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

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

            <div style="MARGIN-TOP: 12pt" title="PAGENUM" align="center">
                <a name="PAGENUM"><font size="2">8</font></a>
            </div>

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

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

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

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

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

            <div align="left">
                <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="744">
                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">30-Sep</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">30-Jun</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">31-Mar</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">31-Dec</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">30-Sep</font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">2009</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">2009</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">2009</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">2008</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">2008</font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">ASSETS</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 7.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">Cash and due from banks</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">8,769 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">7,548 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">5,682 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">6,463 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">9,277 </font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 6.75pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">Interest bearing deposits with banks</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">280 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">6 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">9,329 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">17 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">74 </font></p>
                        </td>
                    </tr>

                    <tr height="19">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 6.75pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">Federal funds sold </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">3,000 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="MARGIN-TOP: 0pt; TEXT-INDENT: 51.75pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt" align="right"><font size="2">-</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">3,000 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="MARGIN-TOP: 0pt; TEXT-INDENT: 47.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt" align="right"><font size="2">-</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">450 </font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 20.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">Cash and cash equivalents</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">12,049 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">7,554 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">18,011 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">6,480 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">9,801 </font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 4.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">Securities available for sale</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">126,349 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">122,601 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">124,222 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">130,120 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">128,287 </font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 4.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">Securities held to maturity</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">708 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">708 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">707 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">707 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">706 </font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 5.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">Loans receivable (net of unearned Income)</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">359,482 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">360,593 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">351,433 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">349,404 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">341,217 </font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 7.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">Less: Allowance for loan losses</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">4,663 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">4,574 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">4,413 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">4,233 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">4,331 </font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 12pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">Net loans receivable</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">354,819 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">356,019 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">347,020 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">345,171 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">336,886 </font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 4.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">Investment in FHLB stock</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">3,538 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">3,538 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">3,538 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">3,538 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">3,545 </font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 5.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">Bank premises and equipment, net</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">5,258 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">5,297 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">5,413 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">5,490 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">5,601 </font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 4.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">Foreclosed real estate owned</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">562 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">798 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">768 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">660 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">660 </font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 4.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">Other assets</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">11,584 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">11,980 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">11,745 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">12,130 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">13,149 </font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15.75pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 24pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">TOTAL ASSETS</font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; BORDER-LEFT: medium none; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; BORDER-TOP: black 0.5pt solid; BORDER-RIGHT: medium none; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">514,867 </font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; BORDER-LEFT: medium none; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; BORDER-TOP: black 0.5pt solid; BORDER-RIGHT: medium none; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">508,495 </font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; BORDER-LEFT: medium none; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; BORDER-TOP: black 0.5pt solid; BORDER-RIGHT: medium none; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">511,424 </font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; BORDER-LEFT: medium none; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; BORDER-TOP: black 0.5pt solid; BORDER-RIGHT: medium none; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">504,296 </font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; BORDER-LEFT: medium none; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; BORDER-TOP: black 0.5pt solid; BORDER-RIGHT: medium none; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">498,635 </font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15.75pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">LIABILITIES</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 7.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">Deposits:</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 12pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">Non-interest bearing demand </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">63,600 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">60,444 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">57,270 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">56,839 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">63,474 </font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 12pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">Interest- bearing deposits</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">319,263 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">313,709 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">313,146 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">302,796 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">297,083 </font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 24pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">Total deposits</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">382,863 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">374,153 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">370,416 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">359,635 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">360,557 </font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 7.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">Other borrowings</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">62,553 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">67,596 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">72,412 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">81,126 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">76,575 </font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 7.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">Other liabilities</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">5,715 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">5,645 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">8,446 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">4,845 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">5,389 </font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 29.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">TOTAL LIABILITIES</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">451,131 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">447,394 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">451,274 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">445,606 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">442,521 </font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">STOCKHOLDERS&rsquo; EQUITY</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">63,736 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">61,101 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">60,150 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">58,690 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">56,114 </font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 24pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">TOTAL LIABILITIES AND</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr>
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="299" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 42pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">STOCKHOLDERS&rsquo; EQUITY</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">514,867 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="96" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">508,495 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">511,424 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="88" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">504,296 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="top" width="3">
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="15" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="57" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="2">498,635 </font></p>
                        </td>
                    </tr>
                </table>
            </div>

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

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

            <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt" align="center"><a name="PAGENUM"><font size="2">9</font></a></p>
        </div>

        <div style="MARGIN-TOP: 12pt" title="PAGENUM" align="center">
            &nbsp;
        </div>

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

        <div style="WIDTH: 600px">
        </div>

        <div style="WIDTH: 600px">
        </div>

        <div style="WIDTH: 600px">
            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt"><b><font size="1">NORWOOD FINANCIAL CORP.</font></b></p>

            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt"><b><font size="1">Consolidated Statements of Income (unaudited)</font></b></p>

            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt"><b><font size="1">(dollars in thousands, except per share data)</font></b></p>

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

            <div align="left">
                <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="672">
                    <tr style="HEIGHT: 15.75pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">30-Sep</font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="1">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">30-Jun</font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">31-Mar</font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">31-Dec</font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">30-Sep</font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Three months ended</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">2009</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">2009</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">2009</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">2008</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 1px solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">2008</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">INTEREST INCOME</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 8.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Loans receivable, including fees</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">$</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">5,382 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">$</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">5,426 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">$</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">5,287 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">$</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">5,423 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">$</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">5,509 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 9pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Securities</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1,297 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1,316 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1,397 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1,508 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1,549 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 8.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Other</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">6 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">3 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0.25in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Total Interest income</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">6,680 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">6,743 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">6,690 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">6,934 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">7,059 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">INTEREST EXPENSE</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 8.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Deposits</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1,433 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1,420 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1,501 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1,659 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1,780 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 9pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Borrowings</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">481 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">488 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">508 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">548 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">503 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 15.75pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Total Interest expense</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1,914 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1,908 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">2,009 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">2,207 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">2,283 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">NET INTEREST INCOME</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">4,766 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">4,835 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">4,681 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">4,727 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">4,776 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">PROVISION FOR LOAN LOSSES</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">140 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">220 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">225 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">420 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">130 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">NET INTEREST INCOME AFTER PROVISION</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 10.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">FOR LOAN LOSSES</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">4,626 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">4,615 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">4,456 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">4,307 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">4,646 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">OTHER INCOME</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 9pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Service charges and fees</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">614 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">642 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">598 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">636 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">656 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 8.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Income from fiduciary activities</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">99 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">82 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">82 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">111 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">91 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 8.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Net realized gains (losses) on sales of securities</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">90 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">172 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">161 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 40.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">-</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">(27</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">)</font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 6.75pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Gains on sale of loans and servicing rights</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">42 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">121 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">133 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">13 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">90 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 6.75pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Gain on sale of deposits</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 40.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">-</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 40.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">-</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">150 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 40.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">-</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 40.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">-</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 6.75pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Other </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">173 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">151 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">157 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">130 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">163 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 21.75pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Total other income</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1,018 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1,168 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1,281 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">890 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">973 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">OTHER EXPENSES</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 9pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Salaries and employee benefits</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1,611 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1,595 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1,614 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1,525 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1,477 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 8.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Occupancy, furniture and equipment , net</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">367 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">379 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">485 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">378 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">403 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 9pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Foreclosed real estate owned</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">130 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">6 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">12 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">11 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">519 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr height="18">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 9pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">FDIC insurance assessment</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">133 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">358 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">126 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">54 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">12 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 8.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Other </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">933 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">982 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1,038 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">978 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">950 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 26.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Total other expenses</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">3,174 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">3,320 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">3,275 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">2,946 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; BORDER-TOP: black 0.5pt solid; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">3,361 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">INCOME BEFORE TAX</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">2,470 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">2,463 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">2,462 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">2,251 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">2,258 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">INCOME TAX EXPENSE</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">695 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">714 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">725 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">666 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 0.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">666 </font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15.75pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">NET INCOME</font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; BORDER-LEFT: medium none; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; BORDER-TOP: black 0.5pt solid; BORDER-RIGHT: medium none; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1,775 </font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="1">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; BORDER-LEFT: medium none; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; BORDER-TOP: black 0.5pt solid; BORDER-RIGHT: medium none; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1,749 </font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; BORDER-LEFT: medium none; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; BORDER-TOP: black 0.5pt solid; BORDER-RIGHT: medium none; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1,737 </font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; BORDER-LEFT: medium none; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; BORDER-TOP: black 0.5pt solid; BORDER-RIGHT: medium none; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1,585 </font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; BORDER-LEFT: medium none; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; BORDER-TOP: black 0.5pt solid; BORDER-RIGHT: medium none; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1,592 </font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15.75pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="1">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15.75pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Basic earnings per share </font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">0.64 </font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="1">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">0.64 </font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">0.63 </font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">0.58 </font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">0.58 </font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15.75pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="1">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15.75pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Diluted earnings per share </font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">0.64 </font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="1">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">0.63 </font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">0.63 </font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">0.58 </font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 2.25pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">$</font></p>
                        </td>

                        <td style="BORDER-BOTTOM: black 2.25pt double; PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">0.58 </font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 1.5pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 16.5pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 16.5pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 16.5pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 16.5pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 16.5pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 16.5pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 16.5pt" valign="bottom" width="1">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 16.5pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 16.5pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 16.5pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 16.5pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 16.5pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 16.5pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 16.5pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 16.5pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 16.5pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 16.5pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 16.5pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 16.5pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 16.5pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 16.5pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 16.5pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15.75pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Book Value per share </font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">$</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">23.07 </font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="1">
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">$</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">22.23 </font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">$</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">21.99 </font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">$</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">21.45 </font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">$</font></p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15.75pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">20.51 </font></p>
                        </td>

                        <td style="HEIGHT: 15.75pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Return on average equity</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">11.25%</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">11.49</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">11.80</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">11.05</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">11.15</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Return on average assets</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1.40</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1.39</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1.39</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1.26</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1.28</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Net interest spread</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">3.63</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">3.70</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">3.54</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">3.61</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">3.67</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Net interest margin</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">4.07</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">4.13</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">3.96</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">4.09</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">4.21</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Allowance for loan losses to total loans</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1.30</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1.27</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1.26</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1.21</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">1.27</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Net charge-offs to average loans (annualized)</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">0.06</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">0.07</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">0.05</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">0.60</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">0.04</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Nonperforming loans to total loans</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">0.88</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">0.50</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">0.48</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">0.60</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">0.66</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>
                    </tr>

                    <tr style="HEIGHT: 15pt">
                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="243" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">Nonperforming assets to total assets</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">0.73</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

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

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">0.51</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="38" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">0.48</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">0.54</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="3">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="11" nowrap>
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt">&nbsp;</p>
                        </td>

                        <td style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; HEIGHT: 15pt; PADDING-TOP: 0.75pt" valign="bottom" width="66" nowrap>
                            <p style="TEXT-ALIGN: right; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">0.59</font></p>
                        </td>

                        <td style="HEIGHT: 15pt" valign="bottom" width="11">
                            <p style="TEXT-ALIGN: left; MARGIN-TOP: 0pt; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt"><font size="1">%</font></p>
                        </td>
                    </tr>
                </table>
            </div>

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

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

            <div style="MARGIN-TOP: 12pt" title="PAGENUM" align="center">
                <a name="PAGENUM"><font size="2">10</font></a>
            </div>

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

        <div style="MARGIN-TOP: 12pt" title="PAGENUM" align="center">
            &nbsp;
        </div>
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</TEXT>
</DOCUMENT>
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